Which banks can handle student loans?

Banks that offer student loans include: China Bank, China Industrial and Commercial Bank, China Construction Bank, China Agricultural Bank, CITIC Industrial Bank, Shanghai Pudong Development Bank, Bank of Communications, Industrial Bank, China Everbright Bank, Huaxia Bank, Guangdong Development Bank, Shanghai Bank, Shenzhen Development Bank, China Merchants Bank and China Minsheng Bank.

To apply for a credit student loan, college students must meet the following conditions:

(1) A natural person with full capacity for civil conduct.

(2) Have a permanent residence identity card and the detailed address of the school and its department.

(3) Possess the Student ID Card, school registration certificate and other relevant documents issued by the school; Proof of tuition fees, living expenses and other related learning expenses required by students during their study; Loan application form or relevant certificates approved by the introducer.

(4) Students who meet the requirements of the loan bank and their moral performance certificates have no bad credit behavior.

(5) Other conditions stipulated by the lending bank.

Students from poor families need to apply for national student loans from local banks through their schools. In principle, students will apply once and the bank will issue national student loans in installments during their school days.

To apply for a national student loan, you need to provide the following materials:

1. Application for a national student loan;

1. Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan);

13. my explanation of the family's financial difficulties;

1. A certificate of family financial difficulties issued by the relevant department where the student's family is located. The student himself shall bear legal responsibility for the authenticity of the certification materials provided by him.

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 ordinary colleges and universities in China and increase the financial aid for students from poor families in ordinary 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, compensated by the finance and the university for certain risks, and operated by the bank, the education administrative department and the university. 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.

Full-time freshmen (including preparatory students) who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges), scientific research institutes, party schools, administrative colleges and accounting colleges (the list of schools is subject to the announcement of the Ministry of Education), or undergraduate students, graduate students (including master's and doctoral students) and students with second bachelor's degrees who are studying in colleges and universities. I can apply for a student loan if my pre-school household registration and the borrower's household registration are all in the county (city, district), and my family's financial ability is difficult to meet the basic expenses of study and life during school. According to the current national policy, full-time college students (including the second bachelor's degree and higher vocational students) apply for a loan amount of no more than 8, yuan per person per year, and not less than that of 1 yuan. Full-time graduate students (including master students and doctoral students) apply for a loan amount of no more than 12, yuan per person per year, and not less than that of 1 yuan. The longest loan period is 2 years and the shortest is not less than 6 years. The application time for renewal students (students who have obtained loans in previous years and continue to apply) is from July 23rd to August 9th (except for weekends), and the application time for new loan students (freshmen and students who apply for loans for the first time) is from August 12th to September 6th. Students who fail to renew their loans within the specified time due to special reasons can make up for it during the period from August 26th to September 6th (except for weekends) after explaining the situation to the county-level student financial assistance management center. Renewed loans and new loans are required to log in to the Student Credit Student Loan Information System (/) of China Development Bank, fill in the loan information, and prepare the corresponding materials as required before going to the site for handling. It is particularly important to note that students applying for new loans need to test their loan knowledge at the handling site before they can qualify for loans. The examination content is mainly based on simple financial knowledge and integrity knowledge. Students should go through the registration formalities at the University Student Financial Assistance Management Center with the loan contract and loan acceptance certificate, and the university should enter the electronic receipt before October 1th. After the university generates the electronic receipt of the contract, the county-level student financial assistance management center will re-examine the application materials provided by the students applying for loans in the system. After the contract is reviewed, it will be summarized and submitted to the Provincial Student Financial Assistance Management Center in the system. After the approval of the National Development Bank (about mid-November), the loan funds will be transferred to the Alipay account of the loan students, and the tuition and accommodation fees will be transferred to colleges and universities according to the amount on the student's receipt.