People's Bank of China, Ministry of Education and Ministry of Finance
Provisions on the Administration of National Student Loans (for Trial Implementation)
(1May 1999 13)
In order to promote the development of education, according to the People's Bank of China Law of the People's Republic of China and the Education Law of the People's Republic of China
According to the relevant provisions of the national "People's Republic of China (PRC) Commercial Bank Law", "Education Law of the People's Republic of China" and other laws.
The relevant matters concerning student loans are as follows:
(a) the national student loan is applicable to People's Republic of China (PRC) (excluding the Hong Kong Special Administrative Region, Macao and Taiwan Province).
Full-time undergraduate students in institutions of higher learning (hereinafter referred to as schools) with real economic difficulties.
(2) The national student loan is to help students with real financial difficulties pay their tuition fees during their school years.
And the importance of using economic means to support education and help students with financial difficulties complete their studies.
Form.
(3) China Industrial and Commercial Bank is a national student loan handling bank approved by the People's Bank of China. State aid
The specific measures for the administration of loans shall be formulated by the Industrial and Commercial Bank of China and implemented after being approved by the People's Bank of China.
I. Management system
(four) in order to ensure the smooth implementation of the national student loan system, the Ministry of Education, the Ministry of Finance and the People's Bank of China.
Bank of China and Industrial and Commercial Bank of China form the Inter-Ministerial Coordination Group for National Student Loans (hereinafter referred to as the Inter-Ministerial Coordination Group). teach
The Ministry of Education established the National Student Loan Management Center as the daily office of the inter-ministerial coordination group. Provinces, autonomous regions,
Municipalities directly under the central government should set up corresponding coordination institutions and management centers.
(5) The inter-ministerial coordination group is mainly responsible for coordinating the relationship between education, finance, banking and other departments and schools.
Formulate the national student loan policy and determine the annual national student loan guidance plan for schools affiliated to the central ministries and commissions. that
English: The Ministry of Education is mainly responsible for studying how to use student loans in conjunction with relevant departments according to the development of the country.
Close the policy; The Ministry of Finance is mainly responsible for raising and distributing discount funds for national student loans of schools affiliated to the central ministries and commissions (
Including the repayment of loans to poor students, and supervise the use of discount funds; The main responsibilities of the People's Bank of China are
Relevant national policies, determine the national student loan handling bank, examine and approve relevant measures, and supervise the implementation of loans;
The handling bank is responsible for the approval, issuance and recovery of loans.
(six) the national student loan management center is responsible for guiding the annual national student loan determined by the inter-ministerial coordination group.
Plan, receive and review the loan application reports submitted by schools affiliated to the central ministries and commissions, and examine and approve the loan application amount of each school.
Degree, and send a copy to the handling bank head office; Unified management of national student loans allocated by the Ministry of Finance to schools affiliated to the central ministries and commissions.
Discount funds, accept domestic and foreign educational donations, expand the sources of discount funds, and deposit discount funds into special accounts.
Bank; According to the number of national student loans and loans for poor students issued by the handling bank, it will be transferred to the handling bank quarterly.
Discounted funds; Sign a national student loan management agreement with the head office of the handling bank; Provide relevant information to the handling bank
Materials; Assist the handling bank to supervise and manage the issuance and use of national student loans, and assist the handling bank to return them on schedule.
Collecting and collecting national student loans; To guide the work of student loan management centers in various regions; Handle the tasks assigned by the inter-ministerial coordination group.
Other matters.
(seven) the national student loan coordination agencies of all provinces, autonomous regions and municipalities directly under the central government shall be determined according to the inter-ministerial coordination group.
Relevant policies, leading the work of national student loans in this administrative region; Responsible for coordinating education, administration,
The relationship between banks and other departments and schools; Put forward the annual guidance of the national student loan to the schools affiliated to this administrative region.
Sex plan.
(eight) the student loan management centers of all provinces, autonomous regions and municipalities directly under the central government are the national student loan institutions within their respective administrative areas.
The daily office of the coordinating body is guided by the annual national student loan determined by the administrative regional coordinating body.
Plan, receive and review the loan application reports submitted by schools, and approve the loan application amount of each school, and
Copy to the handling bank at the same level; Unified management of loan discount funds allocated by local finance and the repayment needs of poor students.
Funds and discount interest funds are deposited in the handling bank account; According to the national student loan and poor student loan issued by the handling bank
The number of funds, the quarterly transfer of discount interest funds to the handling bank; Sign the national student loan management with the relevant local handling banks.
Agreement; Provide relevant information to the handling bank; Assist the handling bank to supervise and manage the issuance of loans and make them
Use and recovery, and be responsible for assisting the handling bank to collect loans; Handle other related matters assigned by the coordination agency at the same level.
(nine) each school should designate a specialized agency to manage the national student loan work of the school and be responsible for applying for loans.
Preliminary examination of student qualifications; Submit the annual loan application report of the whole school to the student loan management center on schedule; root
According to the loan application amount approved by the student loan management center, submit the student loan application after preliminary examination to the handling bank;
Sign a national student loan management agreement with the handling bank; Assist the handling bank in organizing the issuance and recovery of loans,
And is responsible for assisting the handling bank to collect loans; Timely statistics and report to the superior student loan management center and relevant handling banks.
Provide students with changes (including students' employment, further education, transfer, dropout, etc.). ) and national student loans.
Actual distribution; Handle other matters assigned by the student loan management center.
(ten) the national student loan handling bank accepts the supervision of the People's Bank of China and is responsible for the national credit policy.
Policy, formulate specific measures for the management of national student loans; Review the student personal loan application report submitted by each school.
And other related materials, according to the loan conditions to review whether to issue loans; Specifically responsible for the issuance and recovery of loans; have
According to the recovery of loans, the cooperation right between the student loan management center and the school in collecting loans is decided by itself.
Decide whether to issue new national student loans.
Second, the application and issuance of loans.
(eleven) the national student loans issued by the handling bank belong to commercial loans and are included in the normal loan management.
(twelve) the national student loan shall be managed by the annual application of students and the annual examination and approval of the handling bank.
(13) The handling bank is responsible for determining the specific amount of national student loans, including: for tuition fees.
The maximum does not exceed the tuition fee collection standard of the borrower's school; The maximum amount used for living expenses shall not exceed
Basic living standards in the area where the school is located.
(fourteen) students applying for national student loans must have a guarantee approved by the handling bank, and the guarantor should
The handling bank signs a guarantee contract.
(fifteen) students who are really unable to provide guarantee and have special financial difficulties can apply for loans for poor students.
Loans for poor students are proposed by the school and reported to the higher student loan management center for approval, and the handling bank is based on the existing
Relevant provisions on loan procedures.
(sixteen) the handling bank approved the national student loan, and the list of students who have approved the loan.
The approved loan amount is fed back to the corresponding student loan management center and school, and the school reports it to the superior student loan management department.
Center for the record, and cooperate with the handling bank to strengthen loan management.
Three. Loan term, interest rate and discount
(seventeen) the national student loan handling bank shall determine the term of each loan according to the student's application.
(eighteen) the national student loan interest rate is determined according to the statutory loan interest rate announced by the People's Bank of China and the relevant national interest.
Implementation of rate policy.
(nineteen) in order to reflect the preferential policies of the state for students with financial difficulties and reduce the burden of repayment, the financial
The department gives interest subsidies to students who receive national student loans. 50% of the loan interest borrowed by students is financed.
Discount, the remaining 50% shall be borne by the students themselves. The financial department shall, in accordance with the provisions on loan management, issue loans to students on schedule every year.
Heart distribution loan discount funds.
(twenty) the state encourages all sectors of society to provide student loan guarantees and stickers for students with financial difficulties in various forms.
Rest.
Fourth, loan recovery.
(twenty-one) the principal and interest of loans borrowed by students must be paid off within four years after graduation. In order to ensure the national student loan
Students must reconfirm or change the loan contract with the handling bank before graduation, and handle the corresponding guarantee.
Program. After this procedure is completed, the school can go through the graduation formalities for students.
(twenty-two) during the loan period, students must go abroad (border) to study or settle down before going abroad (border).
Pay off the principal and interest of the loan in one lump sum, and the relevant departments can go through the formalities of going abroad; All students who need to transfer must be in their
After the school and the handling bank handle the transfer of student loan debt with the transferred school and the corresponding handling bank,
Or after the student pays off the principal and interest of the loan, the school can go through the transfer formalities; Drop-out, expulsion and
The school where the student dies must assist the relevant handling bank to collect the principal and interest of the student loan before handling it.
Go through the corresponding formalities.
(twenty-three) the part of the loan for poor students that cannot be recovered due shall be managed by the schools and students who make suggestions.
The center is also responsible for repayment (including: 60% of the school and 40% of the student loan management center). study
The loan repayment funds required by the school are charged in the school tuition income; Loan repayment required by the student loan management center
The funds shall be used for special purposes in the discount funds approved by the financial department.
(twenty-four) students can not repay the loan principal and interest on schedule, according to the relevant provisions of the people's Bank of China.
default interest
(twenty-five) for graduates who have not paid off the national student loan, they have obtained the cooperation of their units or work units.
Assist the handling bank to collect loans on schedule and notify the handling bank in advance when the work changes; Handling bank
Banks have the right to recover loans owed from their current work units and original work units.