Student-origin student loan is a credit loan provided by financial institutions such as banks to students with financial difficulties in colleges and universities, which is led by the government and subsidized by the government. Give priority to students' tuition and accommodation during their school days, and the excess can be used to make up for daily living expenses. Student-origin student loans are applied at the place where the household registration is located. Generally, students apply for student loans from July to September every year, and they are paid in June of that year. It should be noted that there are two stages in the examination and approval of student-origin student loans. For the first loan, the borrower and the borrower need to go to the student financial assistance management department where the household registration is located. The student management department conducts pre-loan audit, signs a contract with the borrower after passing the audit, and issues an acceptance certificate. Students report to the university with admission certificates, and the student management department of the school reports on June 65438+ June 65438+. It usually takes about 7~ 15 days.

The specific application and approval process of student-origin student loan is as follows:

1 Submit loan application: Students with loan needs log in to the online student loan system of China Development Bank, complete registration, fill in the basic information of individuals and borrowers, and submit loan applications;

2. Upload loan application materials: For students who have passed the pre-application, after printing and signing the application form, upload the loan application materials according to the system prompts;

3. Sign a loan contract: the original ID card, the original household registration book, the original admission notice (or student ID card) or the online verification report of Xue Xin. Com, the application form for the student credit loan of China Development Bank; Students who fail in the pre-application also need to bring the original "Identification Form for Students from Poor Families" and sign a loan contract at the city and county financial aid center.

4. Enter the electronic receipt: Borrowing students report to colleges and universities with the admission certificate, and require the teachers in the financial aid center of colleges and universities to enter the electronic receipt before 10 of that year.

5 Loan issuance: CDB will review the loan information of the borrowing students, and issue loans to the student loan account after the review is correct. The funds in the account will be used for the tuition and accommodation of the students during their school days, and the remaining funds can be extracted from the bank card bound to the loan account for personal living expenses.

legal ground

Article 9 of the Regulations on the Administration of National Student Loans: Each school shall designate a specialized agency to manage the national student loans of the school in a unified way, and be responsible for the preliminary examination of the qualifications of students applying for loans; Submit the annual loan application report of the whole school to the student loan management center on schedule; 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 to organize the issuance and recovery of loans, and be responsible for assisting the handling bank to collect loans; Timely statistics and provide students with changes (including students' employment, further education, transfer, dropout, etc.). ) and the actual issuance of national student loans to higher-level student loan management centers and related handling banks; Handle other matters assigned by the student loan management center.