2018 Fujian Student Loan Registration Guide and Repayment Process Time Instructions

2018 Fujian Student Origin Student Loan Registration Guide and Repayment Process Time Instructions

The 2018 Fujian Origin Student Credit Student Loan pre-application process is nearing completion. According to The organization and development of the pre-application work for credit student loans in the student’s place of origin and the changes in the student loan workflow of each handling bank. On April 26, the Fujian Provincial Student Financial Aid Management Center issued the "About Doing a Good Job in the Credit Student Loan in the Place of Student Origin in 2018" Notice on Loan Work".

1. Reform the application process of credit-based student loans in the place of origin of students

In order to improve the efficiency of credit-based student loans in the place of origin of students and ensure that students can obtain loans more conveniently and quickly. After research, the application process for credit-based student loans for students in our province will be adjusted from May 2018 to two stages: "loan qualification determination" and "loan contract signing".

(1) "Loan qualification determination" stage (i.e. the original "pre-application" stage)

Adjust the original "pre-application" stage This is the “loan qualification” stage. The "loan qualification determination" period is from September of the previous year to April of the current year (for example: the "loan qualification determination" application period for 2019 fresh graduates is from September 2018 to April 2019). The "loan qualification determination" time for 2018 high school and secondary vocational graduates and college students taking first-time loans has been extended to June 30, 2018. Students need to log in to the loan qualification determination system ( ) to submit an application online. High schools, secondary vocational schools and colleges and universities are responsible for reviewing and determining the loan qualifications submitted by their students, that is, the financial difficulties of the students' families and the students' basic personal information, etc., to ensure that the relevant information (especially It is the student’s name and ID number) true, complete and correct. The county-level funding center is responsible for guiding each high school or secondary vocational school to log in to the system to complete the review work. If it is found that the school has not carefully conducted the review or the school-level reviewed data has been filled in incorrectly, it should be returned to the system in a timely manner and the school must be re-reviewed. If the loan qualification information is inconsistent with the student's actual information, the qualification conclusion will be deemed invalid, and the student needs to re-apply for a student loan according to the supplementary application method (see this notice for details). The process archives for loan qualification review will be collected by the school and then submitted to each county-level funding center for archiving.

All localities and schools must adhere to the "student-oriented" principle when conducting loan qualification review work, so as not to cause trouble to students and parents. For national scholarship recipients such as registered students from families with financial difficulties, students from subsistence allowance families (including extremely poor people), and disabled students from families with financial difficulties, they should all be required to submit loan qualification applications and have their schools confirm them directly. Their loan qualifications do not need to be determined by the family's financial difficulties; other students can be admitted by the school based on the certificate issued by any unit of the village (neighborhood) committee or township (street) civil affairs department where the student's household registration is located, or by the school based on the student's daily study at school. Comprehensive identification will be given based on life and home visits and other inspections.

(2) "Loan Contract Signing" Stage

"Prospective freshmen" or "prospective loan students" of colleges and universities who have passed the "Loan Qualification Certification" stage do not need to apply for loans again at this stage. Providing proof of poverty determination, you only need to submit the admission notice (college students must provide their student ID) to directly enter the "loan contract signing" stage. In principle, it is not recommended to change the handling bank selected by students during the "loan qualification determination" stage. If students really need to change the handling bank during the "loan contract signing" stage, they should proactively inform the final bank for the loan. Students are not allowed to repeatedly apply for national student loans (except commercial student loans) from different banks. If students are found to have repeated loans, their loan qualifications will be canceled depending on their circumstances.

China Development Bank: Students who have passed the "loan qualification determination" stage only need to bring the student and the borrower's ID cards (original), household register (original), and admission notice (original) ), accompany *** and the borrower to the county-level funding center for the loan contract interview.

Fujian Federation of Rural Credit Cooperatives: Students who have passed the "Loan Qualification Certification" stage can bring their ID card (original), household register (original), admission notice (original) and university confirmation Letter (provided after registration), go to the nearest Rural Commercial Bank or Rural Credit Cooperative branch at all levels to sign a paper contract (borrowing students under the age of 18 must be accompanied by *** and the borrower).

Postal Savings Bank of China: Starting from 2018, the "loan contract signing" process has been fully online and an electronic contract system has been implemented. Students who have passed the "Loan Qualification Certification" stage can directly download the "Huaan Student Aid" APP or WeChat applet on their mobile phones, take photos and upload their ID cards, admission notices, household registers and university confirmation letters (provided after registration). You can sign an electronic contract online, and the electronic contract has the same effect as the paper contract.

(3) Supplementary application method

For students whose “loan qualification determination” or “loan qualification determination” information is inconsistent with the actual information, they need to apply for credit assistance in their place of origin after admission. If you want a student loan, you can bring your ID card (original), household register (original), admission notice (original, current college students must provide their student ID cards) and documents proving family financial difficulties (issued by high school/secondary vocational school graduates or colleges and universities) Certificate of difficulty identification, certificate issued by any unit of the village (neighborhood) committee or township (street) civil affairs department where the student’s household registration is located), etc., should be submitted to the county-level financial aid center where the student is located from July 1 to October 15 according to the original procedures. Carry out processing.

2. Increase the publicity of credit-based student loans in students’ places of origin

All units should combine the publicity of national student loan policies with financial knowledge education, and based on the actual situation of the school, conduct college entrance examination We will invite loan processing banks and student loan underwriting institutions to the school for guidance on how to fill in the application form or other times that do not affect students' studies, and provide "one-stop" student loan acceptance services.

3. Smooth the green channel for students with national student loans

National student loan funds are directly transferred from the handling banks to the accounts of universities and are closed to pay the tuition fees of students with loans. and accommodation costs. Students who have formally signed a student loan contract can register directly through the green channel of each university with the "Certificate of Credit Student Loan Acceptance from the Place of Origin" provided by the handling bank. Schools are not allowed to force students with national student loans to suspend their studies or defer their enrollment, sign written statements of arrears, etc. They are not allowed to collect debts from students with national student loans or require students to advance tuition and accommodation fees for any reason. Students with national student loans studying in private colleges or majors with high tuition fees can first enroll through the green channel and then pay their tuition fees through tuition deferment, tuition exemption, work-study or commercial student loans.

All colleges and universities must do a good job in student loan confirmation, loan renewal review and graduation confirmation. Universities within the province can conduct review and confirmation operations directly through the handling bank systems. Universities outside the province (those applying for loans from the China Development Bank, each school can conduct review in the China Development Bank system) need to send paper materials for review and confirmation. result.

4. Expand the scope of acceptance of CDB student loans

According to relevant requirements, after the county (district) where the student’s student registration is located signs a county-level cooperation agreement with the Fujian Branch of the China Development Bank, the student can You can apply for a student credit student loan from the China Development Bank. All localities should sign county-level cooperation agreements with the Fujian Branch of the China Development Bank as soon as possible (see attachment 2 for a sample). County (district) funding centers that have not yet signed a cooperation agreement (see Appendix 3 for the list) should proactively report to the county (district) government and promote the signing of county-level cooperation agreements to start the China Development Bank student loan business as soon as possible.

Contact person of China Development Bank Fujian Branch:

Wang Ran, contact number: 0591-88569236

Contact person of Fujian Federation of Rural Credit Cooperatives:

p>

Zhuang Yanwu, contact number: 0591-86320711

Contact person of Postal Savings Bank of China Fujian Branch:

Lin Hao, contact number: 0591-83373328

Huaan Insurance Company Fujian Branch:

Wu Xiaozhen, contact number: 0591-87761766/87331025

Click to download the relevant attachments

Each district or city Report on the pre-application status of credit student loans in the student’s place of origin

County-level cooperation agreement (template) of China Development Bank

List of counties (districts) that have not signed a county-level cooperation agreement with China Development Bank< /p>