1. If the remaining funds of the student loan are frozen, it is probably because the Alipay of the borrowing student has not completed the real-name authentication (here refers to the Alipay account dedicated to the student loan of China Development Bank, and its login name is generally * * * * * *). Cdb@sina.cn's mailbox. Students can check the loan contract in the online service system of the National Development Bank's student loan information network, and the system will record the login name and initial password and other related information).
2. It is also possible that all the funds have been frozen. This situation is mostly because the loan funds have not been used to withhold tuition fees, so in order to prevent students from withdrawing cash, the system has carried out a freezing operation.
3. Everyone should also note that if Alipay account is at risk of misappropriation, it will be temporarily frozen after system monitoring to ensure the safety of funds. In addition, it is also possible that there is a problem with the Alipay system in the process of giving money to the school, which leads to the failure of tuition payment, so we simply return all the funds and temporarily freeze them.
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 poor students in colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.
2065438+On July 20th, 2005, the Ministry of Education and other departments jointly issued "Several Opinions on Perfecting the National Student Loan Policy". According to the Opinions, in order to effectively reduce the financial burden of borrowing students, the longest loan period is extended from 14 to 20 years, and the grace period for repayment of principal is extended from 2 years to 3 years. The loan interest of students during their school days will be fully subsidized by the government.
On July 2 1 2020, the Ministry of Education, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission jointly issued the Notice on Adjusting and Perfecting the Relevant Policies of National Student Loans (J.J.Z. [2020] No.4), clearly proposing to adjust the relevant policies of student loans from three aspects: repayment grace period, loan term and loan interest rate.
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