In August 2007, the state issued a new policy of "student-origin credit loan" (hereinafter referred to as "student-origin loan"). In 2007, there were six pilot provinces (cities) to carry out student-origin loan business: Hubei, Heilongjiang, Jiangsu, Shaanxi, Gansu and Chongqing.
Students who need loans due to financial difficulties have two choices (only one can be selected): 1, student-origin student loan (i.e. student-origin credit student loan) organized and implemented by China Development Bank; 2. National student loans provided by China Agricultural Bank and other banks. [Edit this paragraph] I. Application conditions The applicant of the Student Source Credit Student Loan of China Development Bank (hereinafter referred to as the Student Source Student Loan) is a poor family student whose household registration is in the provinces and cities where the Student Source Student Loan has been opened. Students and one of their parents (legal guardians) form a * * * relationship with the borrower.
(a) the object of student loan support must meet the following conditions:
1. has the nationality of the people of China;
2. Honest and trustworthy, law-abiding;
3. In accordance with the relevant provisions of the state, freshmen or college students who are officially admitted to full-time ordinary colleges, higher vocational schools and colleges that are approved to set up higher education have obtained a true, legal and effective admission notice;
4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district);
The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies during school.
Note: The identification of students from poor families in 2008 was completed by the local education authorities before the end of June this year. Freshmen applying for this year's student source credit loan and old students studying in colleges and universities in the province have been included in the list. For details, please consult your county (city, district) Education Bureau's student financial assistance management department.
(2) * * * Same as the borrower.
* * * The same borrower is mainly the borrower's parents (or legal guardians). If the borrower is an orphan and cannot appoint a guardian, it can be a natural person, including a close relative, who voluntarily shares the repayment responsibility with the borrower, has full capacity for civil conduct, is under 60 years of age, has no bad credit record and has a local household registration. [Edit this paragraph] 2. Loan Amount, Term and Interest Rate (I) Loan Amount
The loan amount does not exceed 6,000 yuan per person per academic year, which is an integer between 1 1,000 and 6,000. In principle, it is used for students' tuition and accommodation during school. College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time.
(2) loan term
In principle, the loan term shall be determined by the number of years of full-time undergraduate education (students according to the remaining years of the education system) plus 10 years, and the longest period shall not exceed 14 years. At the end of two years after graduation from the normal academic system, students will start to repay the loan principal in installments according to the loan contract.
The two-year grace period is for students at school and after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract. Borrowing students who have studied for more than 4 years and continue to pursue a higher degree (including the second bachelor's degree) will shorten the period of repayment of principal and interest after graduation.
(3) Loan interest rate
The benchmark interest rate of RMB loans announced by the People's Bank of China is adjusted once a year from the loan issuance date of 65438+February 2 1, and the adjusted interest rate is the benchmark interest rate of loans of the same grade in the same period announced by the People's Bank of China on the adjustment date.
Interest on student loans is calculated on an annual basis. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians).
Discount policy
According to the relevant provisions of the national student loan, in principle, during normal schooling, the interest on student loan is fully subsidized by the finance. After graduation, the loan interest shall be borne by the borrower.
1. Interest loan The interest of students during their school days is all subsidized by the financial department. Among them, students admitted to universities directly under the central government bear loan interest subsidies. Students admitted to local colleges and universities who study across provinces are subsidized by the central government; Studying in this province, the loan discount shall be borne by the local finance. After graduation, students and their parents (or other legal guardians) will bear all interest.
2. Risk compensation. Establish a special fund for risk compensation of student-origin credit student loans, and the risk compensation ratio shall be determined according to 15% of the loan amount in the current year.
3. Discount and risk compensation management. The interest subsidies and risk compensation paid by the central and local governments are collected by the National Student Financial Assistance Management Center and the provincial student financial assistance management centers respectively. 65438+ Before February 20th of each year, it will be fully and on time allocated to the handling bank that carries out student-origin credit student loans, and the handling bank will implement special account management, which is mainly used to make up for loan default losses and other expenses that are conducive to preventing risks and strengthening management. [Edit this paragraph] III. Application materials (1) loan certification materials
1.08.The qualification of freshmen in 2008, college students in provinces and cities who have started student-origin loans, and students with financial difficulties from families shall be completed in advance by the local education authorities. Students who pass the pre-application examination must be issued with a certificate of credit student loan from Jiangsu Province by a graduate middle school or university.
2. Students from Jiangsu universities outside provinces and cities who want to start student-origin student loans must issue loan certificates from their universities.
(2) identification materials
1. The borrower and the original and photocopy of the borrower's ID card and household registration book (the guardian can also use the military card or armed police card as valid documents);
2. Admission notice or student ID card. Freshmen with the original and photocopy of the admission notice, students with the original and photocopy of the student ID card; [Edit this paragraph] 4. Reporting and Handling Procedures (1) Loan Acceptance Department
Student Financial Assistance Management Department of the Education Bureau of the county (city, district) to which the borrower belongs.
(2) Prepare materials
After preparing the above poverty proof materials, identity proof materials and passbook of the Postal Savings Bank, register with the student financial assistance management department of the county (city, district) Education Bureau and receive the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the application form). The borrower needs to complete the application form and seal it completely.
(3) Audit materials
The borrower and * * * together with the borrower go to the student financial assistance management department of the county (city, district) education bureau where the form is registered, and issue identification materials (including the borrower and * * * together with the borrower's ID card and photocopy, student ID card or admission notice, household registration book), application form and postal account number, and the staff of the student financial assistance management department of the county education bureau will review the materials.
(4) Signing contracts
The borrower and * * * sign the Loan Contract for Student Credit Loan of China Development Bank with the borrower himself, sign the loan contract and authorize the Postal Savings Bank to deduct the loan principal and interest from the above account. Special reminder, please fill in the passbook account number in the contract, and the account number must be filled in accurately. If the loan cannot be remitted due to the wrong filling, the responsibility shall be borne by the student himself.
(5) Return the contract receipt
After the signing of the loan contract, students can declare to the university with the contract, and send the receipt of the contract stamped by the university to the Student Financial Assistance Management Section of the Education Bureau by mail or other effective means within 20 days after the declaration. In case of special circumstances, you should take the initiative to contact the Student Financial Assistance Management Section of the Education Bureau. If the student financial assistance management department of the Education Bureau does not receive the receipt within 30 days after registration (no later than 65438+1October 30), it is deemed that the student has cancelled the loan application. The receipt attached to this contract is an important document under this contract. I would like to remind all students to send it by registered mail if conditions permit.
(6) Loan issuance and payment
According to the contract, the Postal Savings Bank will issue loans on the date agreed in the contract and wire the loan funds to the designated account of the borrower's university. [Edit this paragraph] V. Special reminder (1) The borrower should carefully read the text of the contract and earnestly fulfill the obligations of the borrower.
(two) the relevant national policies are adjusted, according to the new policy.
(3) China Development Bank and capital centers at all levels have the right to publish and use the borrower's personal information and the borrower's loan default information in accordance with relevant regulations without the consent of the borrower;
(4) The borrower's personal information and the borrower's loan default information will be entered into the personal credit information system of the People's Bank of China, and the bad credit record will have a far-reaching impact on the personal life and work in the future.
(five) after the borrower repays the loan, it should check the accounts with the student financial assistance management department of the Municipal Education Bureau and the handling bank in time to prevent problems. [Edit this paragraph] VI. Matters needing attention in the application materials are arranged as follows: 1. Apply for a national student loan:
(1) The reasons for application should include family financial situation, not too simple, but sincere.
(2) The written content cannot contradict the content in other materials.
(2) The application cannot be changed.
2. College students and families questionnaire:
(1) The handwriting of this questionnaire cannot be changed, erased or added.
(2) It must be filled in with a carbon pen or a black signature pen.
(3) build the official seal of the civil affairs department.
The official seal of the civil affairs department must have the words of civil affairs (such as Civil Affairs Bureau and Civil Affairs Office), and the business seal is invalid.
Note: If the local civil affairs department is revoked for some reason and changed into the Social Affairs Department, it can be stamped with the seal of the Social Affairs Department, but at the same time, the local government (at or above the township level) should issue an explanation of this situation.
(4) The names of the loan students themselves and their parents must be exactly the same as those on their respective ID cards.
(5) The poverty certificate shall indicate the specific population of the family.
If the family population includes grandparents, and the father or mother of the loan student is an only child, an only-child certificate must be provided. If the parents are not only children, the alimony shared by the parents shall be calculated as family expenses.
Married brothers and sisters are generally not included in the family population.
Grandparents had better not be included in the family population.
(6) The average monthly income of families is lower than that of 350 yuan. If brothers and sisters are counted in the family population, if they have income, their income should be counted.
(7) The population in the questionnaire should be consistent with the population in other data and should not be inconsistent or confused.
(8) If the parents are divorced, the names of both parents should be filled in the questionnaire.
3. A copy of the identity cards of the father and mother;
(1) If the ID card has expired, it can be replaced by a copy of the household registration book (with the ID number of the parents on it) and stamped with the fresh seal of the police station.
(2) If the parents are divorced, provide the parents' divorce agreement (or court judgment) and a copy of both parents' ID cards.
Note: If the content of child support in the divorce agreement or court judgment is inconsistent with the actual support, it should be indicated in the corresponding documents.
(3) If one parent (or both parents) dies, the deceased shall be indicated in the poverty certificate, and the death certificate shall be issued by the police station and stamped with a fresh seal.
The death certificate shall at least include the following contents: the father or mother of xxx (the name of the borrower) died on X, X, X, and finally the public security organ shall affix the special seal for household registration of the police station.
4. Student ID card and copy of student ID card:
A copy of the student ID card should be stamped with the seal of the Student Financial Assistance Center. (handled by the Student Affairs Office)
5.2 Copy of witness's ID card:
Of the two witnesses, 1 is a school teacher and 1 is a school classmate.
6. Student banks under the age of 18 will not grant loans.
7. Employment certificate and low guarantee are not necessary materials to apply for a loan, but it will be easier to apply for a loan if the above documents are provided.
8. For students who have already applied for a credit card, the bank will not grant loans unless the following conditions are met: the credit card issuer issues a certificate that "income proof and guarantee are not required for applying for a credit card, and the data record in the bank credit information system is incorrect".
9, China Agricultural Bank and other banks to provide national student loans to implement an application, issued year by year. Each student has only one loan opportunity, that is, students who have successfully obtained loans may not apply again.
10, all materials shall not be faxed.
1 1. All copies (except the ID card copy) must be stamped with the red seal of the corresponding authority.
Remarks:
1. All materials need A4 paper, and materials that are not A4 paper can be pasted on A4 paper.
2. Each copy should be clear.
3. Writing should be neat and standardized, and written with carbon ink or black pen.
4. The seal on each material must be clear.
All forms should be consistent, not contradictory.