20 18 Jiangxi province student loan application policy and prepayment regulations
Measures for the implementation of credit student loans in Jiangxi Province
Chapter I General Provisions
Article 1 is to implement the Opinions of the State Council on Establishing and Perfecting the Financial Aid Policy System for Students from Poor Families in Institutions of Higher Learning, Higher Vocational Schools and Secondary Vocational Schools (Guo Fa [2007]13) and Several Opinions of the Ministry of Education, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission on Perfecting the National Student Loan Policy (Jiao Cai [2065] No.438+05).
Article 2 Student-origin credit student loans in Jiangxi Province refer to student loans issued by Jiangxi Branch of China Development Bank and Jiangxi Rural Credit Cooperative Association (hereinafter referred to as "the handling bank") to freshmen and students with financial difficulties in eligible ordinary colleges and universities (including full-time ordinary undergraduate colleges and higher vocational colleges), and handled at the place where the students registered before entering school. Student loan is a credit loan, which is mainly used to solve the tuition and accommodation expenses of students during their school days. Students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.
Article 3 The term "borrower" as mentioned in these Measures refers to Jiangxi students and their parents (or legal guardians) who apply for student-origin credit loan from the handling bank. Borrowing students refer to undergraduates (including higher vocational students), graduate students and students with second bachelor's degree who are in financial difficulties and have been subsidized by credit loans from their places of origin.
Chapter II Organization and Management
Article 4 The Provincial Student Financial Assistance Management Center, as the provincial management platform of the province's student source credit student loans, is mainly responsible for assisting the handling banks to organize, coordinate and manage the province's student source credit student loans, and formulating relevant management assessment systems. Organize, guide, assess and supervise the district, city and county student financial assistance management centers to carry out pre-loan and post-loan management and principal and interest recovery, and report their work regularly; Statistics of discount interest and risk compensation that should be borne by finance and universities at all levels shall be transferred to the handling bank in full and on time after receiving the discount interest and risk compensation arranged by finance and universities at all levels, so as to strengthen the management, use and supervision of discount interest funds and risk compensation and improve the efficiency of fund use.
Fifth financial departments at all levels and colleges and universities are responsible for fully arranging and timely allocating interest subsidies and risk compensation in the annual budget.
Article 6 The loan discount and risk compensation of financial burden at all levels below the provincial level shall be allocated to colleges and universities according to the affiliation. Colleges and universities will collect the financial funds and the funds that the school should bear into the provincial student financial assistance management center, which will transfer them to the handling bank in time before 65438+February 2 1 every year.
Seventh people's governments at the county level shall strengthen the construction of institutions and personnel. If there is no special county-level student financial assistance management center, it should be established as soon as possible to ensure its normal operation, strengthen personnel construction, and ensure wages and benefits, professional title evaluation, employment and other benefits. Establish a cooperation platform among county-level student financial aid management centers, universities and financial institutions, realize information sharing, and effectively strengthen loan management.
Article 8 The county-level student financial assistance management center, as the handling institution of student-origin credit student loans, is specifically responsible for the pre-loan organization and post-loan management of student-origin credit student loans: it is responsible for handling local student-origin loans and collecting, sorting out and summarizing information such as students' family economic status and student-origin loan demand; Responsible for the investigation and identification of students' family financial difficulties; Responsible for the establishment of student credit and loan qualification evaluation team, determine the list of students who meet the loan conditions, calculate the loan demand, and prepare the loan plan; Handle the application and preliminary examination of student-origin credit student loan; Responsible for establishing a contact system with the families of loan students and tracking the economic situation of the students' families; Responsible for regularly submitting relevant information about loan students to the provincial student financial assistance management center, handling banks and universities; Strengthen communication with colleges and universities to avoid repeated loans.
Article 9 All relevant ordinary senior high schools should actively cooperate with the county-level student financial assistance management center and the handling bank to provide the enrollment situation of the college entrance examination in that year and the demand for credit student loans from students' places of origin, and assist in the application, approval and issuance of loans.
Article 10 The banking supervision and management department shall, jointly with the finance and education departments, guide the banking financial institutions to carry out student-origin credit student loans, conduct regular inspections and evaluations, and urge the handling banks and settlement banks to improve their financial services and improve their work efficiency. At the same time, establish a notification system for student loan default, and regularly enjoy information within the scope of banking financial institutions.
Eleventh financial regulatory agencies in the internal supervision of the national student loan business, should meet the regulatory requirements, at the same time, fully consider the national student loan business and risk characteristics, accurate measurement of capital and provision requirements. The handling bank should set up a separate ledger, separate subjects, separate statistics and assessment for the national student loan business. The handling bank shall strictly fulfill the responsibility of information collection and reporting in accordance with the Regulations on the Administration of Credit Information Industry. The handling bank is authorized by the borrower in writing to use the borrower's personal credit information without informing the borrower again. For students who fail to repay according to the contract, the handling bank shall submit the borrower's bad information to the personal credit information system according to law.
Twelfth to increase the publicity of state funding policies, and actively carry out credit education activities and credit information publicity activities. The provincial student financial assistance management center should organize publicity and education work throughout the province; Colleges and universities should strengthen the honesty education for students, cultivate their honesty consciousness, and urge them to fulfill their repayment obligations according to the contract after graduation; Ordinary high schools should vigorously carry out the propaganda work of university financial aid policies, and introduce national financial aid policies such as student loans and scholarships to avoid the worries of students with financial difficulties; During the period of accepting student loans, the county-level student financial assistance management center should print student credit loan policies and credit information publicity panels to carry out publicity work.
Chapter III Loan Objects and Conditions
Thirteenth students from Jiangxi who take the national unified entrance examination for ordinary colleges and universities and are admitted by students from poor families can apply for student-origin credit loan at their domicile.
Fourteenth students applying for student loans must meet the following conditions:
1. has the nationality of the people of China;
2. Honest and trustworthy, law-abiding;
3. Freshmen or students (including graduate students and students with a second bachelor's degree) formally admitted to full-time undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges) approved by the relevant provisions of the state to establish and implement higher education;
4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county (city, district);
5. Meet one of the following characteristics, the family is in financial difficulties, and the income that can be obtained is not enough to pay the basic expenses that students need to complete their studies during their school days: (1) Poor rural households and low-income urban households; (2) Families of orphans and disabled persons; (3) Suffering from natural and man-made disasters, causing heavy losses and unable to afford the students' expenses; (4) Family members suffering from serious diseases; (5) The creator of the main income of the family loses the ability to work for some reason; (6) Single-parent families with no stable income; (7) Poor families in old, young, marginal, poor and remote rural areas; (8) Families where one or both parents are unemployed; (9) The total annual cash income of the family is less than 8,000 yuan; (10) Other poor families.
Chapter IV Loan Amount, Term and Interest Rate
Article 15 The maximum loan amount for full-time college students is 8,000 yuan per academic year, and the maximum loan amount for full-time graduate students is12,000 yuan per academic year, which is mainly used for students' tuition and accommodation during their school days. Loans are applied and issued every year.
Article 16 The loan term shall be determined in principle according to the full-time undergraduate academic system plus 13 years, and the longest term shall not exceed 20 years. Borrowing students should confirm the repayment plan with the handling bank when they graduate or terminate their studies, and the repayment period shall be implemented according to the contract signed by both parties.
Article 17 The loan interest rate shall be based on the benchmark interest rate of the same period and grade published by the People's Bank of China, and shall not go up. The loan interest rate is adjusted once a year, from 65438+February to 2 1, and the adjusted interest rate is the benchmark interest rate of loans of the same grade in the same period announced by the People's Bank of China on the adjustment date.
Article 18 The loan interest shall be calculated on an annual basis, with the value date being the loan issuance date of the handling bank and the interest settlement date being 65438+ February 20th each year. Every year, 65438+February 2 1 is a fixed repayment date, including interest and the principal to be repaid in installments (the last principal and interest will be repaid on the expiration date of the contract). Students should repay the interest annually from September 1 day of the year of graduation, and three years after graduation is the grace period for repaying the principal. Students who borrow money during the grace period only need to pay interest, not principal. The grace period for repayment of the principal starts from the confirmation of the repayment plan and ends at the 36th month after the borrower graduates. Borrowing students who continue to pursue their degrees during the repayment period can still enjoy a grace period of 36 months after graduation.
Chapter V Interest Subsidies and Risk Compensation
Nineteenth students' interest during school is fully subsidized by the financial department. Among them, the students admitted to the central colleges and universities, the loan discount is borne by the central finance; Students admitted to local colleges and universities who study across provinces are subsidized by the central government; For students studying in this province, the discount on student loans in provincial universities shall be borne by the provincial finance, and the discount on student loans in municipal universities shall be borne by the municipal finance.
Twentieth students who continue to study for their degrees during the repayment period after graduation shall provide written proof to the county-level student financial assistance management center in time. After being audited by the county-level student financial assistance management center, it will be reported to the handling bank for confirmation, and the loan interest incurred during the period of continuing to study for a degree will continue to be fully subsidized by the original discount finance department. Borrowing students who drop out of school due to illness and other reasons should submit a written certificate to the county-level student financial assistance management center, and the county-level student financial assistance management center should apply to the handling bank, and the loan interest during the suspension period will be fully discounted by the finance.
Twenty-first to establish a special fund for risk compensation of student-origin credit student loans, and the risk compensation ratio shall be determined according to 05% of the loan amount of the year. For students admitted to central universities, the risk compensation shall be borne by the central finance. For students admitted to local universities and studying in other provinces, the risk compensation shall be borne by the central government; For students studying in this province, the risk compensation is shared by the central and local governments, and 50% by local finance and universities at the same level according to the affiliation of universities.
Article 22 Establish an incentive and restraint mechanism for risk compensation. If the risk compensation exceeds the loan loss, the excess will be awarded to the county-level student financial assistance management center by the handling bank to make up for the daily work expenses of the county-level student financial assistance management center; Less than the loan loss, the insufficient part is shared by the handling bank and the county-level financial department. The specific management measures shall be implemented in accordance with the Notice of the Ministry of Finance and the Ministry of Education on Printing and Distributing the Management Measures for Risk Compensation of Student-origin Credit Student Loans (No.201416).
Twenty-third in our province to establish a national student loan repayment relief mechanism. The provincial student financial assistance management center negotiates with the national student loan handling bank every year to determine a certain proportion of the national student loan risk compensation balance incentive funds, and sets up special funds for repayment and funding to help particularly difficult graduate loan students. The specific operation process shall be formulated separately.
Chapter VI Supplementary Provisions
Article 24 These Measures shall be implemented as of the date of promulgation. The education departments of all districts, cities and counties may formulate corresponding implementation rules in light of local actual conditions.
Twenty-fifth previously released student credit student loan implementation plan and related policies and regulations continue to be implemented. Where inconsistent with these measures, these measures shall prevail.
2. Has Jiangxi 20 14 student-origin loan been issued now? I borrowed 8000 yuan. ...
I won't call your card directly.
For example, after paying the remaining 5,000 yuan, you still have 5,000 yuan in your campus card.
3.202 1 Jiangxi National Inspirational Scholarship?
202 1, the standard of student financial aid in our province was released. Students' families with these conditions can apply for grants! Let's get to know each other.
preschool education
Children with financial difficulties, orphans and disabled children who meet the admission age can enjoy a grant of not less than 500 yuan per person per year if they attend public kindergartens and inclusive private kindergartens approved by the education administrative departments at or above the county level. The specific standards are formulated by local governments according to local actual conditions.
compulsory education
All students receiving compulsory education are exempt from tuition and fees and textbooks.
Students from poor families will also receive living allowances. Among them, primary school students with financial difficulties in their families are 1.000 yuan per year, junior high school students are 1.250 yuan per year, and boarding disabled students in special education schools are enrolled in 200 yuan every year; Non-boarding primary school students with financial difficulties in their families are in 500 yuan every year, and junior high school students are 625 yuan every year.
Ordinary high school
Students from poor families attending ordinary senior high schools can enjoy an average of 2,000 yuan of state grants each year, which are divided into three grades: 1500 yuan, 2,000 yuan and 2,500 yuan.
Students from poor families in rural areas attending ordinary senior high schools (students from poor families who originally set up a card), students with disabilities from poor families, students from low-income families in rural areas, students from poor families in rural areas and students from poor families in urban areas are exempt from tuition and miscellaneous fees. Standards vary from 200 yuan/year/student to 800 yuan/year/student according to the nature of the school.
Freshmen from poor families in Jiangxi who were admitted to full-time colleges and universities (including independent colleges and private colleges) can enjoy a one-time government subsidy of 5,000 yuan each.
Secondary vocational education
Outstanding students among full-time second-year students in secondary vocational schools can enjoy a national scholarship of 6,000 yuan per year.
Full-time academic education is officially registered as a student. Students majoring in agriculture and students with financial difficulties from non-agricultural families in the first and second years of school, and rural students from secondary vocational schools in contiguous poverty-stricken areas, can enjoy a national grant of 2,000 yuan per year for secondary vocational schools.
All students with full-time academic education in rural areas (including counties and towns), urban students majoring in agriculture and students with financial difficulties (except students majoring in art and non-drama performance) who have formal academic status in grades one, two and three can enjoy the national tuition-free fees ranging from 850 yuan/year to 4,500 yuan/year in secondary vocational schools according to school types and different majors.
Ordinary institutions of higher learning
Outstanding students in full-time colleges and universities (including higher vocational colleges and second bachelor's degrees) in the second year and above can enjoy a national scholarship of 8,000 yuan per person per year.
Students from poor families are full-time junior college students (including higher vocational colleges and second bachelor's degrees) and above, and can enjoy a national inspirational scholarship of 5,000 yuan per year.
Students from poor families in full-time colleges (including higher vocational colleges and second bachelor's degrees) can enjoy university state grants, including 4,400 yuan for the first year, 3,300 yuan for the second year and 2,200 yuan for the third year.
Students in institutions of higher learning who have been recruited for compulsory military service, enlisted as noncommissioned officers, returned to school after retirement, or enrolled in school, will be compensated for their tuition fees by the state student loan and will be exempted from tuition fees. Undergraduate students do not exceed 8000 yuan per year, and graduate students do not exceed 12000 yuan per year. Those who exceed the standard will not be compensated, compensated or reduced.
The annual loan amount for full-time college students and full-time graduate students (including master students and doctoral students) shall not exceed 12000 yuan.
postgraduate education
Full-time graduate students in colleges and universities have made outstanding achievements. Masters with China nationality and nationality can enjoy a national scholarship of 20,000 yuan per year, and doctors can enjoy 30,000 yuan per year.
Full-time graduate students who are included in the national postgraduate enrollment plan of ordinary colleges and universities (except those with fixed salary income) can enjoy the national scholarship of China nationality of 6,000 yuan per person per year, and the doctoral degree is13,000 yuan per person per year.
Full-time graduate students studying in universities in Jiangxi Province were awarded academic scholarships of 8,000 yuan for master's degree and 0/0000 yuan for doctor's degree in China.
Full-time second-year and above graduate students in colleges and universities can enjoy Jiangxi provincial government graduate scholarship 1 10,000 yuan every year, and doctoral students can enjoy 20,000 yuan every year.
social security
Freshmen from poor families in colleges and universities can enjoy 500 yuan if they are admitted to colleges and universities in the province, and enjoy 1000 yuan if they are admitted to colleges and universities outside the province.
Keiko program, students from poor families with excellent academic performance in ordinary high schools, with emphasis on students from poor families who have set up files and set up cards, can enjoy a subsidy of 2000 yuan each.