Reasons for Student-origin Student Loan
1、? Personal basic information
Name, gender, age, ID number, university, major, grade, etc. ;
2、? Basic situation of family
Number of family members, residence, source and level of family income, items and amount of family expenditure, etc. ;
3、? Family special circumstances
There are elderly people, patients and disabled people who need to be raised or cared for, or there are major disasters, diseases and accidents that affect the family's economic situation, which should be explained in detail and provide relevant certificates;
4、? Application purpose
Explain why you need to apply for a student loan, as well as your repayment plan and commitment.
The background and policy of student-aided loans from students' places of origin.
First, the background
1、? Since 1999, the enrollment of higher education has expanded on a large scale, and the number of college students has increased, which requires more capital investment. The government's financial allocation can't keep up with the needs of higher education expansion, so we must explore other funding channels.
2、? The charging level of colleges and universities is constantly improving. Compared with the increase of per capita net income of rural and urban residents, the increase of college students' tuition and accommodation fees is much higher. At the same time, however, the student financial aid system that is suitable for the new university fee system has not yet been formed, which has brought certain social problems.
3、? All over the world, student loans are used to solve such problems, and the successful experience of implementing student loans for many years can be used for reference in China. If the funds of the student loan are recovered smoothly, they can be recycled and play a role in subsidizing several generations of college students.
Second, policy.
1、? Student-origin student loan is a kind of credit loan established by the state to help college students with financial difficulties successfully complete their studies. No mortgage or guarantee is needed, the interest rate is low, the repayment period is long, and there are preferential policies such as national interest discount and risk compensation.
2、? According to the latest Notice on Further Improving the National Student Loan Policy, from the fall semester of 202 1, the annual loan amount of full-time college students will be increased from no more than 8,000 yuan to no more than12,000 yuan.
3、? The work of student-origin credit student loans will continue to be mainly undertaken by the China Development Bank, and other banking financial institutions will be encouraged to carry out student-origin credit student loans.