Restrict consumption. The national student loan is a financial aid policy system for colleges and universities perfected by the CPC Central Committee and the State Council under the conditions of socialist market economy. The student loan account is not a bank card with an ID card, and the online consumption channels of student loans for poor students are restricted by banks. Student loan subsidies subsidize students' living expenses and tuition fees, not for consumption, so it is not supported to bind various bank cards. An important measure to increase financial aid for students from poor families in colleges and universities.