(1) Remote loan renewal is currently only applicable to students who renew their loans.
(2) The extension of off-site loans must be completed by the borrower himself, and the borrower or others may not be entrusted to handle it.
(3) The key information of students who apply for loan renewal remotely shall not be changed.
(4) Students who apply for loan renewal remotely need to bring their own computers and smart phones with Alipay applications.
2. Remote online processing flow of loan extension
(1) Log in to the online service system. Log in to the online student loan system of China Development Bank and click the "Apply for Loan" button.
(2) Update personal information. Students should update their personal information in the online service system before submitting the extension application.
(3) Submit an application for loan extension. After verifying the application information, students fill in the loan amount, term and extension statement of the student loan and submit the application information.
(4) Select the treatment method. After submitting the application information, the system will prompt students to choose "online signing" or "on-site signing of the funding center". Students who choose "signing online" need to agree to the Agreement on Remote Acceptance of Student Loan Extension of China Development Bank, and agree to sign the student loan contract by electronic signature, so as to clarify the legal responsibilities of both parties.
(5) Confirmation of contract information. The system will automatically generate contract preview information. Students check the contract information. If you need to modify it, you can return to the application form interface. If you don't need to modify, you can click OK.
(6) certification. After the student confirms the contract information, the online service system will pop up the identity authentication QR code, and the student will scan the QR code through the Alipay mobile APP, and then perform the identity authentication operation according to the prompts.
(7) Confirm submission. After the authentication is successful, the students return to the online service system to confirm the authentication result and complete the online application. The system prompts that the online application has been completed and relevant information has been submitted to the funding center.
(8) Receiving the receipt verification short message. After the loan extension remote acceptance contract is approved by the fund center, the system will send a receipt code message to the student's mobile phone. The short message includes borrower information, contract information and six-digit contract receiving code. Students can log in online, download and print the admission ticket after receiving the SMS system.
3. If it is the first time for a student to borrow money: the first time for a student to borrow money: enter the student online service system and register as a user. Log in to the system and fill in the application information. Export the loan application form, sign it for confirmation, and go to the relevant departments for qualification review and seal. Go to the county (district) fund center (or relevant education department) to apply for a loan, sign a contract and receive a loan acceptance certificate with the borrower. When signing a contract, you can sign a power of attorney. After registering in the university, bring the contract and loan acceptance certificate to the school fund management center, and ask the teacher of the school fund management center to go to the student loan management system where the student's home country enters the collection information to receive the loan receipt. Within the prescribed time limit, the loan receipt will be mailed back to the county (district) funding center. 3-5 days after signing the contract, log in to your Alipay account, modify the password and activate the account (see "Alipay User Instructions" for specific operations).
Legal basis:
Article 25 of the general principles of loans: loan application
If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks.
The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:
1. Basic information of the borrower and guarantor;
Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;
Three, the original unreasonable occupation of loans to correct the situation;
4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;
Verb (abbreviation of verb) project proposal and feasibility report;
Other relevant information deemed necessary by the lender.