I. Loan Application Conditions Full-time freshmen or students with financial difficulties in ordinary colleges and universities who registered in local counties, cities and districts before entering school may apply for student-origin credit student loans. In the process of loan, all localities should not only ensure that students with real difficulties can get loans, but also prevent students with no family difficulties from crowding out loan places. The following audit conditions should be adhered to (referred to as "eight loans and eight no loans"): 1. Students with new loans (who have not obtained loans in previous years) can be identified as students with financial difficulties and can apply for loans: (1) poor families in rural areas and low-income families in cities. (2) Proof materials for orphans and disabled families: orphan certificate and disability certificate issued by the county-level civil affairs department (the certificate belongs to the student himself, the student's father or mother). Documents that do not belong to orphans shall be examined and sealed by the county civil affairs bureau and the county women's Federation, and documents that belong to disabled persons shall be examined and sealed by the disabled persons' Federation and the civil affairs bureau. (3) Suffering from natural and man-made disasters, causing heavy losses and unable to afford the students' expenses. Proof material: the original proof of the township government or sub-district office. Mainly refers to the major family losses caused by irresistible human factors such as floods, fires, snowstorms, traffic accidents, etc. When the township people's government proves the cause of the disaster, the economic losses in that year are more than 5,000 yuan at a time. (4) Proof materials of family members suffering from major diseases: copies of hospital diagnosis certificates and inpatient medical records at or above the county level, and reimbursement vouchers for rural cooperative medical care (one-time self-expense of more than 3,000 yuan) (show the original for verification). (5) Proof that the creator of the family's main income has lost the ability to work for some reason: relevant certificates from the township government, sub-district offices and relevant departments. Mainly refers to the family's main labor ability due to natural and man-made disasters caused great losses to the family, unable to afford the student fees. (6) Proof materials for single-parent families without stable income: death certificate, divorce certificate or single-parent family certificate issued by county women's federation. (7) Proof materials of poor families in the old, young, marginal, poor and remote rural areas: relevant certificates from the township government, mainly referring to families in Dandian Town, Camus Township and Dupi Township, Linshan River Town, whose parents are mainly farmers and whose annual income is less than 8,000 yuan. (8) Proof materials of families with both parents or one parent unemployed: employment certificate and unemployment certificate of father or mother (mainly referring to non-agricultural household registration). Undocumented certificate issued by the original work unit, the township government or street office audit seal. 2. Under any of the following circumstances, students may not be identified as needy students, and loans may not be granted: (1) The family owns a car, 1 sets of non-essential commercial housing, builds 1 sets of non-essential housing or decorates luxury buildings, and owns or uses high-end communication tools; (2) Long-term purchase or lease of computers with high configuration and high price (except for special majors); (three) to buy luxury goods such as high-end entertainment appliances, high-end fashion, jewelry or high-end cosmetics; (4) Eating in hotels frequently and traveling frequently on holidays; (5) Renting a house off campus or frequenting commercial Internet cafes during school; (six) other high consumption behavior or luxury consumption behavior; (7) The annual income of family economy can obviously supply students with tuition fees; (8) Students who obtained loans last year and have the ability to pay this year's tuition fees may not apply for loans again. Last year, students who applied for a student-origin credit student loan and voluntarily gave up after the loan was approved may not apply for a loan again. Those who have the ability to pay off the loan in advance in the second year of applying for a loan are advised not to apply for a loan and enter the school through the "green channel". All students who apply for loans can check it at the Student Financial Assistance Management Center of the Ministry of Information Industry and universities. Students who cheat loans by concealing facts, once verified, will recover the loans they applied for through colleges and universities, and severely deal with the students according to the school rules. All localities should encourage loan students to repay in advance, but for students who repay in advance in the second year after obtaining the loan or before graduation, the financial situation of the students' families should be verified when repaying. If the family is in good financial condition when applying for a loan, students and their parents should be criticized and educated, and their relevant responsibilities should be investigated. Student-origin credit loan is one of the funding policies of colleges and universities. Colleges and universities also have other financial assistance measures, such as scholarships and grants. Students from poor families who have not applied for student-origin credit loans may also apply for national student loans after entering school. Whether you can apply for a student-origin credit loan is not linked to the scholarship evaluation. Scholarships are assessed strictly according to the degree of family financial difficulties. Ii. loan application process 1. Online application: through the online application website (. Cn), fill in the application materials and print the Application Form for Student Credit Student Loan of China Development Bank Corporation. For details, please refer to "Hubei Student Aid Network" or "Online Application Process of Student Source Credit Student Aid Loan" of the county-level student financial aid center. 2. On-site confirmation: Students and co-borrower (in principle, parents of students, share the repayment responsibility with students. If co-borrower is not a parent of a student who borrows money, he should be between 25 and 60 years old) and apply to the county-level student financial assistance management center with the Application Form for Student-origin Credit Student Loan of China Development Bank Co., Ltd. and other related materials. After being audited by the county-level student financial assistance management center, the loan contract is signed (in quadruplicate) and the loan acceptance certificate is printed. 3. School registration: Students submit the loan acceptance certificate (with "check code") to the school at the time of registration, and the tuition fee is postponed. After the school receives the student loan acceptance certificate, it will review the qualifications of the loan students. After the examination and approval, enter the "collection entry" module of the student credit system of China Development Bank, and fill in the student arrears, university account information and admission certificate according to the student admission certificate. Three, the loan application standard does not exceed 6000 yuan. The application amount of 20 1 1 student source credit student loan is adjusted from "unified 6000 yuan" of 20 10 to "no more than 6000 yuan", but it must be an integer multiple of "100" and exceed 3000 yuan, that is, 3000-6000 yuan. Four. The loan time is 1, and the time for students who have obtained loans on 201and continue to apply for loans on 20 1 1: July 21-August 10 (20 10 is not accepted. 2.20 1 1 time for freshmen and students who have not been loaned on 20 10: August-September 2, 20 15 (the application for loan renewal for students who have been loaned on 20 10 will not be accepted). V. loan application materials 1, freshman ① full-time college admission notice (the admission notice of part-time ordinary colleges such as technical secondary school, self-taught examination and adult education does not meet the application conditions) ② high school graduating class students with family financial difficulties questionnaire 201③ one of the proof materials for identifying family financial difficulties (one of the eight application conditions for applying for a loan) ④ students and parents (or other legal guardians).