China Bank's national student loan application process:

1, offline mode:

(1) Students submit loan applications to university financial aid management institutions; The application for national student loan can be submitted through online channels such as personal online banking and personal mobile banking of Bank of China, and paper applications can also be submitted to universities offline.

(2) Colleges and universities shall conduct preliminary qualification examination on the national student loan application submitted by students, and be responsible for the authenticity of the student loan application qualification. Colleges and universities should complete the examination within 20 working days after receiving the application for student loans, form a list of students who intend to agree to apply for loans, and complete the preliminary examination.

(3) After the completion of the preliminary examination, colleges and universities should confirm the qualified loan application with official seal within 5 working days, inform the students applying for loans of the preliminary examination results, and prepare the Information Form for Examining Students Applying for National Student Loans according to the requirements of the handling bank, and send it to the handling bank together with the application materials in the form of electronic documents and written documents.

(4) The handling bank shall complete the audit within 10 working days according to regulations after receiving the "Information Form for Examining Students Applying for National Student Loans" and the application materials submitted by universities and institutions. If there are errors or omissions in the materials submitted by institutions of higher learning, the handling bank may ask the institutions of higher learning to correct or supplement them, and the handling bank shall conduct a review. The review of the handling bank shall be completed within 5 working days after the university institution submits the correction or supplementary materials.

(5) Through the online channel of national student loan, colleges and universities can conduct online preliminary examination in the system and submit it to the handling bank, without the need for paper materials such as the Application Form for National Student Loan and the Information Form for Students' Application for National Student Loan.

(6) The handling bank shall send the loan contract (format) text and the IOU text to the institutions of higher learning within 5 working days after all the examination and approval work is completed.

(7) Colleges and universities should organize students to fill in and sign loan contracts and IOUs within 5 working days after receiving the loan student roster, loan contract text (format) and IOUs approved by the handling bank.

(8) Colleges and universities submit loan contracts and IOUs signed by students to the handling bank. The handling bank shall, within 65,438+00 working days, complete the examination of loan contracts and IOUs signed by borrowing students submitted by colleges and universities, and sign the loan contracts. After the signing of the loan contract, the handling bank will deliver the loan contract kept by the university institution and the borrowing student to the university institution within 2 working days, and the university institution shall hand over one of them to the borrowing student within 2 working days. Colleges and universities should require borrowing students to sign the receipt of the loan contract, which will be stamped by the school and then fed back to the handling bank.

2. Online mode: After May 29, 2022, the policy will resume online channel application:

(1) If online mode is adopted, it must be approved by the bank first and then by the university.

(2) After receiving the student's application, the handling bank will review the compliance and completeness of the materials submitted by the students and the credit information of the students according to the requirements of the loan policy, and complete the loan approval within 15 working days after the application materials and supporting materials are complete. If the student's application information is wrong or the submitted materials are wrong or omitted, it should be returned to the student for correction or supplement. The handling bank has the right to approve the loan and submit it to the undertaking institution of the university.

(3) The undertaking institutions of colleges and universities should examine the students' family financial difficulties and the authenticity of enrollment. At the same time, according to the amount of tuition and accommodation required by students, the amount of loans applied for will be reviewed and adjusted. The undertaking institution of a university shall complete the examination and approval through the Shang Yi National Student Loan System of the Bank of China within 20 working days after receiving the student loan application approved by the bank. Colleges and universities can complete the loan review in batches.

(4) After the handling bank and the university undertaking institution respectively review and agree, the two parties jointly organize students to sign loan contracts in mobile banking, and then enter the lending process after the contract is signed. Students can check the signed loan contract at the personal mobile banking terminal of BOC. After the Bank of China's personal mobile phone bank signs the loan contract, the handling bank shall make a student list page and submit it to the university organizer for seal, and the sealed student list page shall be filed as required. If the university needs to save the loan contract, the handling bank should print the loan contract signed by the personal mobile banking terminal of China Bank and submit it to the organizer of the university.

Colleges and universities can inform the parents or other legal guardians of the borrowing students of the loan information in time by means of e-mail, SMS, telephone, WeChat, registered letter, etc.

The above contents are for your reference. Please refer to the actual business regulations.

How do college students borrow money to go to school?

You can apply for a student loan in the following ways:

I. Online service system for registered students:

Log on to the student loan information network of China Development Bank (www. csls. CDB. com. cn) and register the online service system for students (students' origin);

Second, fill in the application form:

Fill in the application form online, export and print it after filling it out, and sign it by the borrowing student himself;

Third, build official seal:

The application form shall be stamped with the official seal of the qualification examination unit. Generally speaking, the qualification examination unit includes the village (neighborhood) committee, the township (street) civil affairs department or any unit that originally graduated from high school. Please consult the county-level funding center where your household registration is located. Note: No official seal is required for pre-application of senior high school.

Four, the required materials:

1. application form signed and stamped by the borrowing student;

2. Original and photocopy of the ID card of the borrower and co-borrower;

3. A copy of the admission notice or student ID card;

4. Original account book; Note: If the student and co-borrower are not in the same household registration book, the original household registration books of both parties are required;

Verb (abbreviation for verb) sign a contract:

Borrowing students and co-borrower bring the required materials, sign a contract at the county-level funding center where the household registration is located, and receive a receipt.

Six, submit the receipt:

Borrowing students will give the receipt to the university teacher as soon as possible, and the teacher will enter the receipt into the system. Note: Receipts cannot be entered after 10.

Tips: If the original student ID card is lost, it can be reissued with the student ID card issued by the university, and the county-level financial aid center keeps the original student ID card. Students can log on to the Student-origin Student Loan Information Network of China Development Bank, and click on the introduction of Student-origin Student Loan on the left side of the Student-origin Online Service System to view the scope of Student-origin Student Loan.

How to get a university loan?

The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of colleges and universities in China and increase the financial aid for students from poor families in colleges and universities under the conditions of socialist market economy. Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation.

1. Full-time undergraduates (including vocational college students), second-degree students and graduate students in ordinary colleges and universities may apply for national student loans if they meet the following conditions:

(1) Family financial difficulties;

(2) Persons with People's Republic of China (PRC) (China) nationality who have reached the age of 16 must hold the resident identity card of the People's Republic of China;

(3) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);

(4) Honest and trustworthy, law-abiding, and no illegal acts;

(5) study hard and be able to complete their studies normally.

After the beginning of the new school year, students apply for loans from banks through schools. The following materials are required:

(1) Apply for a national student loan;

(2) A copy of my student ID card and resident ID card (the minor provides a valid identity certificate of the legal guardian and a written opinion agreeing to apply for a loan);

(3) my explanation of the family's financial difficulties;

(4) Proof of family financial difficulties issued by the relevant department where the student's family is located.

3. Application amount:

In principle, full-time undergraduates should not exceed 8,000 yuan per academic year, and full-time postgraduates should not exceed12,000 yuan per academic year.

4. Loan approval:

The student financial assistance department of the school is responsible for the qualification examination of the national student loan application submitted by the students, and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.

5. Loan issuance:

The national student loan is in the form of one application, one credit and installment payment, that is, students can sign loan contracts with the bank for multiple academic years at a time, but the bank will issue them in different years. In a school year, the bank should provide a one-time loan for tuition and accommodation.

6. Loan interest:

The national student loan interest rate is based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period. The national student loan interest of the loan students during their study in school is all subsidized by the finance, and the interest after graduation is paid in full by the loan students themselves.

7. Repayment period:

The longest loan period is 20 years and the grace period is 3 years. During the grace period, only the interest needs to be repaid, and there is no need to repay the principal.

Extended data:

Consequences of default of national student loan:

1. If the borrowing student fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the handling bank will charge a penalty interest on the amount of default repayment;

2. The handling bank will enter the default information into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. Take restrictive measures against defaulting borrowers who maliciously default on loans and refuse to provide financial services such as housing loans and auto loans;

3. For borrowers who have been seriously in arrears in repayment, the relevant administrative departments and banks will announce their names, citizenship numbers, graduation schools and specific breach of contract through information channels such as news media and the Internet;

4. Lenders who seriously breach the contract will also bear relevant legal responsibilities.