Provisions of Zhejiang Province on the Administration of Financial Discount of Student-origin Student Loan
Provisions of Zhejiang Province on the Administration of Financial Discount of Student-origin Student Loan
China People's Bank Hangzhou Central Branch Provincial Department of Education Provincial Department of Finance
(July 30th, 200 1 year)
Chapter I General Provisions
Article 1 Article 1 In order to further improve the policy system of student loans in Zhejiang Province and help students with financial difficulties in Zhejiang Province to successfully complete their studies, these Provisions are formulated in accordance with the Measures for the Administration of Student Loans of the People's Bank of China and the actual situation in our province.
Article 2 Zhejiang Student-origin Student Loan (hereinafter referred to as "Zhejiang Student-origin Student Loan") is a loan method to support students with poor household registration in Zhejiang Province to attend full-time ordinary colleges and universities.
Article 3 In principle, student-origin student loans shall be applied annually by the parents of students or individuals recognized by financial institutions, approved and issued annually by the financial institutions where the students' pre-admission accounts are located, and the local financial departments shall discount the interest quarterly according to the actual amount, and the discount funds shall be solved by the municipal and county financial departments where the students' pre-admission accounts are located.
Article 4 Student-origin student loans shall be handled by rural credit cooperatives and commercial banks (hereinafter referred to as undertaking financial institutions) where the household registration is located in accordance with the principle of proximity.
Article 5 Business tax shall be exempted for student-origin student loans issued by financial institutions.
Article 6 Financial institutions undertaking this project shall issue student-origin student loans in accordance with relevant policies, regulations and credit procedures, and the bad debts incurred shall be written off before income tax according to the actual amount.
Chapter II Organization and Management
Article 7 In order to ensure the smooth implementation of student-origin student loans, the Zhejiang Provincial Financial Discounted Student Loan Coordination Group (hereinafter referred to as the Provincial Coordination Group) and the corresponding local student loan coordination group (composed of the people's bank at the same level, the education authorities and the financial departments) are responsible for coordinating and handling the related affairs of student-origin student loans.
The main duties of the eighth coordination group of the province are: to be responsible for the formulation and supervision of student loans from students' places of origin, and to coordinate related matters between education, finance, undertaking financial institutions and universities.
Article 9 The main responsibilities of the local coordination group are: according to these regulations, formulate specific implementation rules for student loans from local students in light of actual conditions; And is responsible for coordinating related matters between the education department, the financial department and the undertaking financial institutions.
Article 10 The main responsibilities of the education department are: to assist the undertaking financial institutions to contact universities inside and outside the province on student loans; And assist in supervising and managing loans.
Article 11 The main responsibilities of the financial department are: arranging discount funds in the annual financial revenue and expenditure budget; Distribute discount interest funds on time and quarterly, and inform the higher authorities in charge of undertaking financial institutions of the disbursement.
Article 12 The main responsibilities of institutions of higher learning are: unified management of student loans by specialized agencies and personnel; Responsible for providing financial institutions with the account number of the school and the changes of students (including transfer, further education, withdrawal from school and going abroad, etc.). ); Assist financial institutions to handle the issuance and use of student loan funds.
Article 13 Article 13 The main responsibilities of undertaking financial institutions are: to formulate specific operating procedures for student-origin student loans according to the national credit policy; Examine the borrower's application materials in detail and decide whether to grant the loan according to the loan conditions; Summarize the amount of student loans handled by financial institutions within their jurisdiction and declare discount funds to the local financial department.
Chapter III Loan Management
Fourteenth student loans belong to commercial loans and are included in the normal loan management of financial institutions.
Article 15 Loan target: Full-time undergraduates, junior college students and graduate students (including the second bachelor's degree) who are studying in ordinary colleges and universities in China and have registered permanent residence in Zhejiang Province before enrollment, or individuals recognized by financial institutions.
Article 16 The purpose of the loan: to help full-time undergraduates, junior college students and graduate students (including the second bachelor's degree) registered in Zhejiang Province and enrolled by ordinary colleges and universities in China successfully complete their studies.
Seventeenth conditions for applying for student loans:
The family economy is indeed difficult;
② The borrower has good credit;
(3) Students are admitted to full-time colleges and universities in China;
(4) Students abide by national laws, regulations and school rules and regulations, and have no criminal records, serious school warning records or other bad credit records;
(five) other conditions that meet the provisions of the student loan.
Article 18 Loan method: Credit loan or secured loan can be adopted.
Article 19 Loan amount: The maximum annual loan amount shall not exceed 1 academic year's tuition and living expenses, in which the tuition loan amount shall not exceed the professional tuition fees of college students, and the living expenses loan amount shall not exceed the basic living expenses standard of the place where the university is located.
Article 20 Term of loan: Generally, the term of each loan shall not exceed 6 years. If there are special difficulties, an application for extension may be submitted to the undertaking financial institution, and whether or not the extension is decided by the undertaking financial institution.
Article 21 Loan interest rate: The interest rate stipulated by the People's Bank of China shall prevail.
Article 22 repayment method: interest shall be settled quarterly and repaid by installments.
Chapter IV Loan Procedures
Article 23 Loan application: To apply for a student loan, a loan application form (book) provided by a financial institution shall be truthfully filled in, and the following materials shall be provided:
(a) the admission notice or "student card";
(2) Notice of payment for colleges and universities;
(3) Name and account number of the fund account; (Account name: zhejiang industry polytechnic college Capital AccountNo.: 53640 104000 1284)
(4) A copy of the valid resident ID card of the loan applicant;
(5) Other certificates required by financial institutions.
Twenty-fourth loan approval: the undertaking financial institution shall arrange a special person to handle the student-origin student loan, approve the loan in time, and notify the applicant in writing of the approval result in time.
Article 25 loan handling: after receiving the notice, the applicant shall handle the loan procedures such as signing a loan contract and filling out a loan receipt with the undertaking financial institution in time.
Article 26 Loans: Tuition loans are granted according to the academic year, and living expenses loans are granted according to the semester. In order to ensure the specificity of the loan, the loan funds are directly transferred to the designated account of the university by the financial institution. Among them, the living expenses loan funds are collected by students with their student ID cards or admission notices and loan contracts at the school finance office. Under special circumstances, with the consent of the undertaking financial institution, the borrower can directly apply for and get part of the cash of the living expenses loan.
Article 27 Loan modification: If the borrower requests loan extension, early repayment, change of repayment method and other contract-related contents, it shall go through relevant formalities at the undertaking financial institution in time.
Article 28 Termination of loan: In any of the following circumstances, the undertaking financial institution has the right to decide to terminate the loan and recover the loan in advance:
(1) Failing to use the loan for the purposes specified in the contract;
(2) Dropping out of school, being expelled, missing or dying;
(3) studying abroad or settling down;
(4) Other circumstances that no longer meet the loan application conditions.
Chapter V Discount Interest Management
Twenty-ninth financial departments to give interest subsidies to borrowers. 50% of the student loan interest from the student's origin shall be borne by the financial department where the student's pre-school account is located, and the remaining 50% shall be borne by the borrower.
Thirtieth financial discount period is the same as the loan period, the longest is not more than 6 years; The financial department shall not subsidize the default interest generated during the loan period or the interest generated during the loan extension period, and the borrower shall bear it.
Article 31 Declaration and disbursement of discount interest funds:
Undertaking financial institutions to fill in the "Declaration Form for Financial Discounted Student Loans in Zhejiang Province" every quarter (see Annex 1) and report it to the higher-level rural credit cooperatives or county and city branches of commercial banks in a timely manner;
Rural credit cooperatives or county-level sub-branches of commercial banks should summarize the attachments 1 reported by their affiliated banks or branches on a quarterly basis, fill out the "Summary Declaration Form for Discounted Funds of Financial Discounted Student Loans in Zhejiang Province" (see Annex 2), and report the attachments 2 and 1 reported by their affiliated branches to the local financial department before the end of the season; At the same time, Annex 2 will be reported to the local people's bank and the coordination group for the record before the end of the season.
After the verification is correct, the financial department will promptly allocate the discount interest funds directly to the relevant financial institutions, and notify the rural credit cooperatives or county and city branches of commercial banks of the allocation.
Thirty-second financial institutions must ensure the authenticity and accuracy of the data reported by discount funds. The local people's bank will conduct on-site inspection on the accuracy of discount interest funds reported by financial institutions within its jurisdiction. Once a financial institution defrauds the discount interest funds, the financial department can stop allocating the discount interest funds of the institution.
Chapter VI Supplementary Provisions
Article 33 establish a notification system for borrowers' default records. If the borrower intentionally evades the bank debt, which makes it risky to undertake the loan from the financial institution, the undertaking financial institution can publish the name, ID number and breach of contract of the debtor in the relevant media and relevant credit information system, and recover the debt through legal channels to ensure the safety of credit funds.
Thirty-fourth these Provisions shall be interpreted by the Zhejiang Provincial Financial Student Loan Discount Coordination Group.