Announcement of credit aid loans of credit aid loans at the Source of the Source of the Student Financial Source of the Student Financial Source of Baoshan City

The 19th National Congress of the Communist Party of China proposed that "priority should be given to the development of education, and every child can enjoy fair and quality education." State student loan is an important part of the policy system of higher education students. It is an important measure for the Party Central Committee and the State Council to use market -oriented means to solve the problem of difficulties in students' difficulties in family economic difficulties. Important guarantee.

In order to ensure the successful development of credit aid loans of students in 2022, it is convenient for students and parents to know the national student loan policy and processing process, and to "do good things" for national student loans. The announcement is as follows:

1. Policy introduction

(1) What is credit aid loan for students?

Credit -aid loans of students from students refer to the new students (including preparatory students) such as national development banks and other financial institutions to eligible families with eligible families. Student Loans. The loan of the student is a credit loan. Students and parents (or other legal guardians) are joint borrowers and shall jointly bear the repayment responsibility.

(2) Application amount and loan use

Full -time ordinary college students (including second bachelor's degree, higher vocational students, preparatory students) each year applying for a loan amount does not exceed 12,000 yuan, not less than 1,000 yuan; full -time graduate students (including graduate students, doctoral students) per person The amount of loans per year does not exceed 16,000 yuan, and not less than 1,000 yuan. Students apply for national student loans to be used to pay tuition and accommodation fees during school, and exceeding parts can be used to make up for daily living expenses. Students should apply for a national student loan amount according to the actual situation.

(3) Loan period and width limit period

The longest loan period: the remaining academic system plus 15 years and the maximum of less than 22 years. Among them, the students were determined by 15 years according to the remaining learning period. Credit -aid loans from students are not exhibited. Students' interests during their reading are subsidized by the state fiscal. Those who no longer continue to study in the year when they graduate, they only need to repay interest within 5 years. If the remaining repayment period of the student after graduation is less than 5 years, the repayment plan agreed in the "Loan Contract" will remain unchanged.

After graduating from the borrowing student, if you continue to study your degree during the repayment period, you can apply for continuing discounts. Borrowing students shall provide relevant certification materials for school information change and repayment plan change procedures before July 31, July 31st in the year of graduation. After the review of the Student Financial Support Management Center of Longyang District, Baoshan City, it was submitted to the National Development Bank Yunnan Branch to confirm that the loan interest occurred during the period of degree, and the original discount financial department continued to discount. If the application or application is not approved, it is implemented according to the original repayment plan. If the borrowing students are suspended due to illness and other reasons during the school, they should provide relevant written certification materials to the Student Fund Management Center of Longyang District, Baoshan City. Interests are fully discounted by finance.

(4) Loan interest rate

Implementation of the LPR5Y-0.3% basis (LPR5Y-0.3%) issued by the People's Bank of China to authorize the inter-bank interbank borrowing center for the same period (LPR5Y-0.3%) issued by the National Bank of China. December 21st every year based on the latest LPR5Y.

(5) Students who apply for credit -assistance loans for students must meet the following conditions at the same time

1. Apply for students should meet the following conditions at the same time

Nationality: Has the Nationality of the People's Republic of China;

Student status: Full -time general undergraduate universities, higher vocational schools and higher colleges (including civil universities and independent colleges), scientific research institutes, party schools, administrative colleges, and accounting colleges (schools, academy of administrative colleges, administrative colleges, and accounting colleges (schools The list is officially admitted by the Ministry of Education), and the full -time freshmen (including preparatory students) or college students who have obtained real, legal, and effective admission notices or college students;

Household registration: Students themselves, and their common borrowers' household registration in principle in principle in this county (city, district);

Credit: honesty and trustworthiness, obey the law and abide by the law;

Family situation: Family financial difficulties, and the income that the family can obtain is not enough to support the basic costs required for students to complete their studies during school;

Others: No other country's school aid loans were obtained.

2. Common borrowers need to meet the following conditions

The relationship with borrowing students:

(1) In principle, the parents of the borrowing students;

(2) If the parents of the borrowing students lose labor or civil behavior due to special circumstances such as disability and illness, other close relatives of the borrowing students can be used as joint borrowers;

(3) If the borrowing students are orphans, the joint borrowers are the guardian, or the natural person who has a complete civil behavior with the ability to repay the repayment with the borrowing students;

Age: If the co -borrower is not a student's parents or their guardians, it should be a natural person who has full capacity for civil behavior at the age of 18;

Household registration: Students themselves, and their common borrowers' household registration in principle in principle in this county (city, district);

(4) Others

① The borrowing students who have not settled the National Development Bank Student Source Land (or a university -aid loan) students cannot be the joint borrowers of other borrowing students;

② If the borrowing students apply for a student loan, they are under 16 years of age, and the joint borrower should be the guardian. In this case, it is necessary to provide proof materials for relevant monitoring relationships when applying for a loan. If the student's household registration of the loan is not in the same county (city, district), it shall be handled at the county -level funding management department where the student registration is located. (6) Family economic difficulty qualification recognition

According to the "Notice of the Ministry of Education on the Cancel of Certificate of Certificate of Certificate" (letter of Education and Law ﹝ 2020) 12), when applying for funding for colleges and universities, students must be proven The link was changed to the applicant's written commitment. Download the "Application Form for Family Economic Difficulties" in the student online service system and make personal commitments: I promise that the above information is true. If there is false, I would like to bear the corresponding responsibilities. The student himself signed with the joint borrower.

(1) All information about the information of students who apply for loans, the provincial student funding management centers and colleges can find that if the students conceal the derived loan, once verified, it will apply for a loan through the college recovery office, and to deal with the students seriously in accordance with the school discipline and school regulations to deal with students seriously. Essence

(2) Renewal students and students who have applied for pre -application do not need to be identified by the qualifications of family economic difficulties, and do not need to fill in the "Application Form for Family Economic Difficulties".

Second, loan application process

(1) Pre -application

Students studying in ordinary high schools and vocational schools, if their family's financial ability is difficult to meet their universities' study and basic expenditures of life, they can apply, including but not limited to the high school stage (including ordinary high schools and secondary vocational schools ) Students who have obtained national aid (including fresh graduates and repeat students), students from the original files, students of the minimum living security family students, orphans, martyrs, children, family economic difficulties disabled students with poor family students Special difficult groups such as children with disabled people, as well as students with financial difficulties identified by students of high school (including vocational school) and county (or universities) students.

(2) The processing process

Step 1 or 2 before the on -site processing

1. Registered user: Complete registration on the student's online system, website: https://lifslls.cdb.com.cn;

Note: Renewal students use the original user name to log in without re -registration.

2. Apply online and export the "Application Form", fill in or update personal information, joint borrower information, submit loan applications and export the "Application Form". The system prompts students who fail to pass the pre -application, and they also need to fill in the "Determination Form".

Note: Students who renew the loan do not need to fill in the "Determination Form", but log in to the student's online system to fill in the "Renewal Statement".

3. On -site censorship: The first loan requires students and joint borrowers to bring the required materials to the place where the household registration is located; apply for renewal, and one party or joint borrower will bring the required materials to the site. Students can also handle remote renewal through online system prompts.

Note: If you replace the new co -borrower when renewal, students need to go to the site to apply for renewal.

4. Sign the contract: After the data review is passed, the organization signed the "Loan Contract".

Note: Students who sign the electronic contract can log in to the student's online system printing contract after the loan approval is approved.

5. Entry electronic return: After reporting to colleges, the college agency teachers are requested to log in to the electronic return of the student loan information management system before October 10.

Note: If you are outdated, you have not entered the receipt and deepen the application for this loan.

Third, repayment policy

Since graduating (or graduation), from September 1 of that year, it began to afford the interest of learning loan. The repayment date is December 20 (September 20th) of each year (the last year is September 20). From the sixth year of graduation (or graduation) (the first year of graduation), the principal and interest began to repay the principal and interest. The principal repayment date is the same as the interest repayment date.

(1) repayment method

1. When will the repayment be started?

Students are subsidized by fiscal interests during their reading. When students do not continue to study degrees after graduation, they have been paying their own interest since the year of graduation. They only need to repay interest within 5 years. Repayment plan repayment. After graduation, students who continue to study for degrees during the repayment period shall apply for and provide written proof to the student funding management center of Longyang District, Baoshan City in a timely manner. The deadline does not extend.

2.2022 phased policy

According to the requirements of the Ministry of Finance, the Ministry of Education, the People's Bank of China, and the China Banking Regulatory Commission's "Notice on Doing a good job in the 2022 National Student Loan Real Estate and the Repayment of the principal delay" (Caichang [2022] No. 110), the State Development Bank will pay the Bank The national student loan hosted by the national student loan is interest -free and the student loan students apply for a proof of repayment on demand. Relevant announcements can be viewed on the official website of the National Development Bank and WeChat public account. Please pay attention to the student's online system for specific operation.

3. Example of a contract repayment plan

A freshman in a freshman in 2022 applied for a student credit aid loan with a period of 17 years. Its university academic system is four years. The repayment plan is as follows:

Fourth, repayment process

(1) repayment query

After November 1 (the last year is September 1), log in to the student's online system to query the current repayment quota. The system user name is the borrowing student ID number. If you forget the password, you can dial 95593 reset. (2) Normal repayment

Between November 1st and December 20th (the last year is between September 1st and September 20th), select the Alipay web version, Alipay APP, Cloud Flash Pay App, Cloud Flash Payment App, Cloud Flash Payment APP, Yun Flash Payment, The Agent Settlement Bank APP is repaid, and you can also go to the nearest central school, the student funding management center of Longyang District, Baoshan City, or the college funding department to use the special POS machine for student loans to swipe the debit card to repay (please consult in advance whether to provide a POS machine credit card Serve)

(3) Pay in advance

You can log in to the student's online system or contact center school and Longyang District student funding management center for the students to apply for early repayment. You can apply for all the principals and corresponding interests of all the school aid loans and corresponding interests that have not been settled in one or more contracts. You can apply for the amount of part of the principal (the amount of an integer multiple of RMB 500 and 100 yuan) and the corresponding interest. The system will determine the corresponding end -end date and interest amount according to the application time. For a detailed early repayment application process, please refer to the "Loan Contract", or you can also call 95593 to consult.

(4) overdue repayment

From January to October, from December 1st to December 20th, overdue repayment can be carried out. After the interest began to repay the interest, if it failed to repay in time on December 20 of that year, it will be considered as overdue of loans. After the principal began to repay the principal, it will also be charged for the overdue principal, and the interest rate interest rate will be 130%of the current interest rate. The principal and interest of overdue repayment of overdue repayment should be repaid. The specific amount can be checked from the 1st to 19th (except November) from the 1st to 19th (except November).

5. Precautions

(1) How can you continue to enjoy the national fiscal discount?

1. When you continue to entertain your degree after graduation, you need to adjust the repayment plan to continue to enjoy the fiscal discount, please or joint borrower to hold the admission notice or other proof materials Student funding management centers handle school information and repayment plans.

2. After reviewing and checking relevant information on the site of the Student Financial Support Management Center of Longyang District, Baoshan City, it will help you go through the relevant changes. The change form must be signed by yourself or joint borrower, and it takes effect with the consent of the State Development Bank. Those who have not applied or have not applied for failure can continue to enjoy the financial discount, and repay the principal and interest according to the original repayment plan.

(2) How to correct the identity information of borrowers or joint borrowers?

If you or the joint borrowers are renamed or the ID number is wrong, please hold the relevant certificate of the identity information of the public security department to apply for a change in the student funding management center of Longyang District, Baoshan City.

(3) If you need to replace the common borrower, please handle it according to the following process:

1. If a new contract is replaced by a joint borrower, please apply for the new borrower with the new borrower with the original ID card and the original student ID of the new borrower in the next year. Apply.

2. For the change of the "Loan Contract" that has taken effect in the past, the joint borrower needs you and the new borrower to hold the ID card of both parties to the student funding management center of Longyang District, Baoshan City.

(4) State student loan compensation funding policy

According to the "Notice of the General Office of the State Council on Further Doing a Better Employment and Entrepreneurship and Entrepreneurship and Entrepreneurship Work in University Graduates" (National Office [2022] No. 13) and the "Measures for the Management of Student funding" (Caijiao [2022] No. 310), to Central universities in the central and western regions and difficult areas, old industrial bases and other grass -roots units implement tuition compensation or national school aid loan compensation, corresponding to the service of military service, recruiting sergeants (former non -commissioned officers), retired after retirement. Or students who enroll schools implement tuition compensation, national student loan compensation, and tuition reduction and exemption.

If you meet the policy requirements, you can apply to the universities. Please consult the relevant departments of colleges and universities for the specific process.

6. About personal credit reporting

In order to improve the management efficiency of financial institutions and prevent credit risks, the People's Bank of China has established a personal credit information basic database, also known as personal credit reporting system. The credit reporting system stores the situation of natural persons handling and using bank loans and credit cards in the form of credit reports.

After the establishment of the personal credit reporting system, the borrower will be recorded in the personal credit reporting system without repayment of bank loans. Each commercial bank can grasp the loan repayment status of the borrower by inquiring the personal credit reporting system. Under normal circumstances, it is difficult for borrowers who do not pay off the time limit to get new credit from various banks.

(1) In accordance with the relevant provisions of the National Credit Management Regulations, the relevant bad records will be retained until 5 years after the overdue loan is settled. In order to successfully employment, going abroad, consumption, credit cards, applying for mortgages, and car loans in the future, please repay overdue loans as soon as possible.

(2) Students who fail to repay according to the agreed repayment, continuously arrears for more than a year and do not take the initiative to contact the student funding management center. According to the "Loan Contract", the State Development Bank and Student funding management centers have the right to have the right to notify me without notification. An information such as name, ID number, graduation school and default behavior on the information channels such as news media and networks.

Summary: The credit information system records the credit information of the borrower truthfully, and the borrower's past credit behavior will have a significant impact on its future economic activities. The borrowers are requested to pay attention to maintaining their own credit. Only in this way can they fully enjoy the benefits of inspirational incentives and prevent disciplinaryness from being disciplinary. 7. Apply for acceptance

(1) Acceptance place: townships (streets) central schools.

(2) Application of acceptance of contract signed: July 18, 2022 to September 15, 2022 (according to the scheduled processing time to handle the township (street) central school).

(3) The order of handling: Renewal of school students who need to loan, the first loan of the school student, the college upgrade, and the graduate school first loan, the first loan of the five -year college college segment shall be handled at the township (street) central school according to the arrangement time; In 2022, the freshmen of the college entrance examination and the college entrance examination of high schools in other counties and districts are handled in accordance with the time arranged by the township (street) central school.

8. The types, quantities and review points of credit assistance loans for students

Based on the status of credit aid loans for students who apply for students, the application situation is divided into three categories: new student application, first application of college students, and application for renewal students. Provide information as follows when applying for all kinds of students: as follows:

(1) Application information for freshmen in the college entrance examination in 2022

1. 1 original application form for signing confirmation;

2. Original admission notice;

3. Original ID card;

4. The original borrower's original ID card;

5. Students who have not passed the pre -application, do a good job of personal commitments, and the original "Application Form for Family Economic Difficulties" signed by the students and borrowers.

The original ID card of the two parties must be provided when the loan is processed (the ID card must be within the validity period. If the ID card is not receiving a new ID card, please provide the original temporary ID card), the original admission notice, and provide it when you apply for it. The materials and originals will be uploaded to the credit loan information management system of the source place.

(2) The first application for students in the school

1. Signature and confirmed the original application form of 1 copy;

2. Original ID card;

3. The original borrower's original ID card;

4. Original student ID, (if the student ID is lost, it can be replaced by the original "Student Certificate" issued by the school);

5. Do a good job of personal commitment, the original "Application Form for Family Economic Difficulties" signed by the student and the joint borrower.

The original ID card of the two parties must be provided when the loan is processed (the ID card must be within the validity period. If the ID card is not obtained during the processing, please provide the original ID card), the student ID or "Student Certificate in the School" Original, the materials and originals provided at the time of application will be uploaded to the credit loan information management system of the source place.

(3) Renewal student application

In accordance with the requirements of the epidemic prevention and control, the renewal students are required to be remote renewal in principle. Students who handle on -site need to provide the following materials:

1. The original application form is 1 copy;

2. Original ID card (borrower student or co -borrower) original ID card;

Renewal students' "Renewal Statement" must be approved by colleges and universities; either party or joint borrower can go through the relevant procedures to the township (street) central school. Or the common borrower himself, the materials and originals provided by the processing will be uploaded to the credit -assistance loan information management system of the source of the students. Students with remote renewal shall be handled according to the online system prompts.

Nine, loan review and contract signing

After receiving the application of the borrowing application, the schools of the township (street) central school will review the application information and pass the review, and scan the application form, ID card, student ID, admission notice and other materials and upload it to the credit aid loan information of the source of the students. Management system, signed the "National Development Bank Co., Ltd. Student Local Site Credit Loan Loan Loan Contract", printed three contracts, borrowed students and joint borrowers to hold one, the central school retains one copy After passing, officially took effect. After the contract was signed, the students were reported to the university to report to the university. Signing requirements of the "Loan Contract":

(1) After the loan application materials were successfully uploaded to the credit -assistance loan information management system of the Shengyuan Land, the borrowing students and joint borrowers used the handwriting board to sign the "Loan Contract". Borrowing students or joint borrowers signed the electronic "Loan Contract";

(2) During the renewal, the name of the party (borrowing student or co -borrower) was signed by the party (borrowing student or co -borrower) and signed the names of the borrower students and joint borrowers. During the three office, the signing position of the borrowing student signed the "Zhang San", and signed the name of the joint borrower at the co -borrower's signing location "Li Si (Zhang Sanxian)". It is strictly forbidden to replace the third party instead of signing the electronic "Loan Contract";

10. Contract return enrollment

Students carry contracts, ID cards and loans acceptance certificates to the school's funding management center (or relevant departments) before October 10.

Special reminder: The confirmation time of the college recovery is before October 10, otherwise the application for the application for the students will automatically revoke the application.

Eleven, loan approval, issuance

After the recovery of colleges and universities was confirmed, the Longyang District Student Funding Management Center summarized the report to the Provincial Student Subsidiary Management Center. The provincial student funding management center was reviewed and submitted to the National Development Bank Yunnan Branch for approval and issuing loans. The loan is issued through online banking. Students automatically generate Alipay personal account information when applying for loan entry information, and printed on the second contract of the contract. password. After the loan approval, the bank will pay the loan funds from the personal account to the borrower's account of the school. Twelve, precautions

(1) Please log in to the system in time after the university freshmen report to the university. If the contact telephone number and contact address change, or the change of school information, you need to change it in time in the system. Log in at least 2 times a year to maintain information.

(2) If students withdraw from school, expel, transfer, and abandon college reporting need to give up loans, please contact the management center of the student funding of Longyang District in time.

(3) The information filled in by the students must be true and complete, and the communication information must be allowed to be unblocked during the loan period. If there is any change, enter the student's online service system in a timely manner to change.

(4) Once the loan takes effect, the personal information and borrowing of the borrowing students will directly enter the basic database of the personal credit information of the People's Bank of China and become the "second ID card" for borrowing students. According to the "Regulations on the Management of the Credit Industry" (Order 631 of the State Council): "The term of the credit of the credit information for personal bad information is 5 years from the date of the termination of bad behaviors or incidents." During this period, bad records will have a negative impact on students' employment, abroad, consumption, handling bank credit cards, applying for car loans, and mortgages.

(5) The student's online service system should be operated according to the prescribed operation procedures and requirements, otherwise it will cause personal information loss and affect loan processing.

(6) The paper materials required for loans are all used in A4 paper.

(7) Consultation Tel: 0875-2239949

Thirteen, the specific processing time of college students in the central school:

(1) Renewal time

July 18th Yongchang Street Central School, July 19, Lancheng Street Central School

July 20 Jiulong Street Central School July 21, Qinghua Street Central School

July 22 The Central School of Benbaqiao Town, July 25, Jinji Township Central School

July 26th, Hetu Street Central School, July 27th Yongsheng Street Central School

July 28th Hanzhuang Town Central School July 29th Xinjie Township Central School

August 01 Xiyi Township Central School August 02 Bingma Township Central School

On August 03, Wudu Township Central School, August 04, Shuizhai Township Central School

August 05 Wa Kaita Town Central School August 08 Yangliu Township Central School

August 09 Wafang Township Central School August 10 Vama Township Central School

August 11 Mangoko Township School, August 12, Yijiang Town Central School

August 15th Puyu Town Central School

(2) The first loan time from August 15th to September 15th

(3) From August 15th to September 15th, the first loan and renewal business will continue. The new students 'application time is arranged by the township (street) central school according to the new students' admission time.

(4) Precautions during handling. Each school shall strictly follow the "Emergency Plan for the Loan Loan Group and Sudden Emergency Emergency" in the Langyang District Student Source Land ", combine the reality of the township (street), strengthen traffic propaganda, improve the emergency response ability of the epidemic prevention and control, and take practical measures. Do a good job of loan work.

Student funding management center of Longyang District, Baoshan City

July 8, 2022

Source: People's Government of Longyang District

Editor: Jiang Yonghua Editor -in -Chief: Yang Qingzong's WeChat of Baoshan News Network was managed by the Paushan News Network of the Propaganda Department of the Communist Party of China. Baoshan News Network is the fourth media managed by the Baoshan Municipal Party Committee and Municipal Government. Pay attention to this account and you will be able to receive the news information of Baoshan in time. All rights reserved, please indicate the source! Paushan News Network Contact information Tel: 0875-2135020 QQ: 3049779830 (WeChat Same Number) Submitting mailbox: [email protected]

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