The first step is for students to apply first, and apply to the affiliated institution of their school within the specified time, and receive the National Student Loan Application Approval Form and other materials, which should be true and complete, and the relevant materials should be ready to be handed over to the national student loan agency of their school.

Second, the school institution conducts a preliminary examination of the loan. That is, the work department conducts a comprehensive review according to conditions and various requirements.

Step 3: After the loan is audited by the handling bank, the handling bank will complete the audit within 20 days after receiving the submitted application and data sheet.

Step 4: The school and the students sign the repayment contract. After the loan application is approved, the school will organize students to fill in and sign the loan contract within 10 working days according to the loan student roster provided by the handling bank, and submit it to the handling bank.

Step five, loan issuance. The national student loan is only a form of financial assistance to poor students. In other forms, we also provide scholarships, student loans, grants, work-study programs and so on. We hope that students can make more choices according to their own situation.

2. What are the precise poverty alleviation loans for enterprises?

What does the enterprise's precise poverty alleviation loan include?

First, the application for special loans for poverty alleviation with precise purposes can generally only be used for poor households to engage in production and business activities such as planting, breeding, agricultural product processing, transportation, commercial circulation, and farmhouse restaurants. , shall not be used for marriage, building and other non-productive aspects. The specific development industry is determined by the guidance of towns and villages. The purpose of becoming rich and capable people and rural cooperative groups is determined independently according to their respective industrial types. Second, the application method 1. Poor households apply for direct loans to poor households. 2. Poor households apply for loans from poor households, and poor households give large households money (enterprise card dividend agreement. 3. Poor households (enterprises) must sign agreements with poor households to promote development or share profits. Third, the application conditions 1, annual residence, full capacity for civil conduct; 2. Hold valid identity documents, have repayment ability, and have no bad credit record; 3, engaged in production and business activities in line with national laws and regulations and industrial policies; 4. Have the willingness to lend and the ability to develop independently; 5. Rich people, rural cooperative organizations and leading enterprises in agricultural industrialization who can drive poor farmers who lack the ability to get rich (must be poor households with established files) to increase their income and get rid of poverty; 6. The lender needs to sign an agreement with poor households, village committees and colleagues to increase income and get rid of poverty, use the loan line of poor farmers, and assume the responsibility of repaying all loans as the main body of the loan; Consult your local bank for details!

The reporter was informed that the Guidelines for Approval of Precision Poverty Alleviation Loans of Agricultural Bank of China (hereinafter referred to as the Guidelines) aims to implement the Party Committee's key points on implementing the deployment of precision poverty alleviation work, further improve the business ability of credit approvers of the whole bank, and standardize the effective development of precision poverty alleviation loans of the company.

The guidelines, classified guidance and the principle of commercial sustainability closely focus on industries and projects that play a driving or service role in poverty alleviation, carefully sort out the review basis of loans for basic construction of farmland in different industries such as agriculture, forestry, animal husbandry and fishery and ex situ poverty alleviation, and list the annexes and related professional terms of "Poverty Alleviation Leading Role Standard of the People's Bank of China" to facilitate the operation of credit reviewers and become a "guide" for approval.

The Guidelines take the poverty alleviation of the poverty-stricken population in the establishment of the file card as an important assessment content. The main body of the project aims to attract employment through shares and serve poor households in poverty-stricken areas, strengthen the interest linkage mechanism between borrowers and poor households in the establishment of the file card, ensure the issuance of credit funds in "precise industries, precise projects and precise customers", and effectively "help the poor and help the poor"

It is reported that ABC strives to improve pertinence and operability by compiling system, analyzing accurate poverty alleviation loan samples, conducting extensive research and listening to opinions and suggestions at all levels. After promulgation, the Guidelines will serve as an important part of the bank's credit review and approval training, play an active role in ensuring the healthy and sustainable development of the enterprise's precision poverty alleviation loan business, and promote the quality and effect of the bank's financial services in tackling poverty.

Third, how to play the positive role of poverty alleviation credit more effectively?

Poverty alleviation credit can better help the poverty-stricken people who have set up a file to get rid of poverty and effectively prevent them from returning to poverty.

Poverty alleviation loans better provide a smooth financing channel for the poor. Provide more employment opportunities for the poor.

The interest rate of poverty alleviation loans is relatively low, and you can also enjoy the preferential treatment of the People's Bank of China.

Poverty alleviation loans can further enrich the bank's credit varieties and further broaden the customer base.

Poverty alleviation loans will also bring positive public opinion guidance to banks, establish a good corporate image and fulfill more social responsibilities.

Banks can establish the whole process of poverty alleviation credit approval process, and combine authorization management to open a green approval channel.

At the same time, to improve the system construction of poverty alleviation credit, we should not only meet the overall requirements of inclusive finance, but also formulate differentiated management requirements according to the actual situation of the Bank.

Strictly controlling the three levels of loans and simplifying the examination and approval process does not mean relaxing the loan examination, but improving the quality and ability of the examiners. Use scientific and technological big data and other means to carry out auxiliary audit and cross-validation.

4. What are the conditions for interest rates to play a role?

1, political and political stability.

2. The economy is stable and controllable.

3. There is no hyperinflation.