The State Bank develops student loans.

Repayment Date of Student-origin Student Loan of China Development Bank

The repayment date of the student loan from the student's place of origin is from October 0 to February 20 every year after graduation/kloc-0.

The interest deduction date of China Development Bank is 65438+February 20th. After 1 65438+1October1,you can check the principal and interest to be repaid this year in CDB. Before February 20th 12, you should transfer the repayment funds to the loan account.

Extended information:

The general student loan refers to the national student loan, which is a bank loan led by the government, subsidized by the government, compensated by finance and universities, and jointly operated by banks, education administrative departments and universities.

Students don't need to apply for loan guarantee or mortgage, but they need to promise to repay in installments on time after graduation and bear relevant legal responsibilities.

Arrears countermeasures

If the loan student fails to repay the loan according to the time limit and amount agreed in the repayment agreement signed with the handling bank, his breach of contract will be recorded in the credit information system of financial institutions (if it is overdue for three months in a row, it will be recorded in the bad record of the personal credit information system of the bank), and the mortgage will not be approved.

Countermeasures to improve breach of contract.

1. Strengthen media publicity and mobilize the enthusiasm of the government, banks, schools and individuals.

Strengthening media publicity can help students and parents understand student loans and make rational use of their rights and interests. On the other hand, through media publicity, governments at all levels, schools and banks that have done a good job in student loans can get due social effects, and at the same time, they can condemn the units that have done a bad job.

2. Establish a national student loan guarantee fund to provide risk protection for national student loans.

Establish a national student loan compensation mechanism shared by the state, local governments, universities, society and banks, such as establishing a student loan guarantee fund composed of finance, university fees or social donations to compensate for the risk of national student loans and alleviate the high risk of national student loans.

3. Establish a loose and flexible national student loan system.

Extend the loan term and ease the repayment intensity. We can learn from the experience of other countries and redesign our repayment system according to China's national conditions. In July, 2004, the State Council forwarded "Several Opinions on Further Improving the Work of National Student Loans", and adjusted the starting time of repayment to 0 to 2 years after graduation, and extended the repayment period from 4 years to 6 years. The adjustment of the student loan system is undoubtedly correct, which relieves the repayment pressure of the loan students to a certain extent, but the adjustment is not enough, and the repayment pressure of the loan students is still great.

4. Strengthen honesty education and improve students' honesty and moral level.

Education authorities should take improving college students' honesty and credit quality as an important public policy goal, and carry forward and cultivate college students' honesty and credit quality through regulations or policy means.

What is the maximum loan amount granted by China Development Bank to students?

College students do not exceed 8,000 yuan per year, and graduate students do not exceed12,000 yuan per year. The loan amount can be determined according to the sum of tuition and accommodation.

1. application time and deadline: consult the local funding center. Time varies from place to place.

2. Application conditions: I have been admitted to full-time colleges and universities that can provide student loans by China Development Bank, and my family financial difficulties meet the requirements.

3. Application materials: Take the application form to any high school unit, village (neighborhood) committee and township (street) civil affairs department for qualification certification. Then you need to bring your ID card, student ID card, residence booklet, admission notice and application form, as well as the ID card and residence booklet of the borrower (place of origin), and go to the county-level financial aid center with the borrower to apply for a loan.

4. Renewing the loan: I or * * * and any borrower can go to the county assistance center to renew the loan with my ID card and the application form signed by me. No qualification examination is required to renew the loan, that is, the application form does not need to be stamped.

Extended data:

Measures of China People's Bank for the Administration of Student Loans:

Article 6 The maximum amount of student loans shall not exceed the tuition and living expenses of the school where students attend.

Article 7 The term of a student loan is generally not more than eight years, and whether to extend it shall be decided by the lender and the borrower through consultation.

Eighth student loan interest rates according to the provisions of the people's Bank of China loan interest rates for the same period, not floating.

Article 9 The repayment method of student loans is flexible, which can be repaid in advance, with the interest paid, or by installments (yearly, quarterly or monthly). The specific method shall be agreed by the lender and the borrower and incorporated into the contract. If the principal and interest of the loan are repaid in advance, the interest on the part repaid in advance shall be calculated according to the interest rate agreed in the contract and the actual use time; If the principal and interest of the loan cannot be repaid on schedule, the lender shall collect the penalty interest according to the regulations.

Article 10 Where governments at all levels and all sectors of society provide guarantees or discount interest to borrowers, the discount rate and discount time shall be agreed by the school where the lender or borrower is located and the discount provider.

Article 11 A borrower shall abide by his credit. If you leave school for various reasons, you should take the initiative to inform the lender of its latest communication mode and work unit, and repay the loan principal and interest on schedule.

Twelfth institutions of higher learning should assist students to apply for student loans, and do a good job in the management of the issuance and recovery of student loans by lenders. Such as transfer, suspension, withdrawal, going abroad, dismissal, casualties, etc. The borrower's school is obliged to inform the lender in time.