Which bank is the student loan bank?

Student-origin student loan is the National Development Bank.

Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. The loan is a credit loan, and the students and their parents (or other legal guardians) are * * * and the borrower, and both parties are responsible for repayment.

Financial institutions of student-origin credit student loans are mainly undertaken by China Development Bank, and other banking financial institutions are encouraged to carry out this business. The specific undertaking bank shall be determined by the local finance, education and banking supervision departments in consultation with the China Development Bank and other financial institutions.

CHINADEVELOPMENTBANK is a policy financial institution in China, directly under the leadership of the State Council, and its banking business is supervised by the People's Bank of China, [1], which was established in March 2004 1994. The bank mainly serves the major medium-and long-term development strategy of the national economy by providing medium-and long-term financial services such as credit and investment, and owns subsidiaries such as CDB Finance, China-Africa Fund and CDB Development Fund.

Which banks can handle student loans?

Banks that provide 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.

College students applying for student-origin credit student loans must meet the following conditions:

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

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

(3) Having the student ID card, school registration certificate and other relevant certificates issued by the school; Proof of tuition, 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 prove that there is 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 apply once during their school days, and the bank issues national student loans by stages.

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

Application for 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);

3. My explanation of the family's financial difficulties;

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by 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 ordinary colleges and universities in China and increase the financial aid for poor students 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, 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.

Full-time undergraduate colleges, higher vocational 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), full-time freshmen (including preparatory students) who have obtained a true, legal and effective admission notice, or undergraduates, graduate students (including master's and doctoral students) and second bachelor's degree students who are studying in colleges and universities, their pre-school household registration and borrower's household registration. According to the current national policy, the loan amount applied by full-time college students (including second bachelor's degree and higher vocational students) shall not exceed 8,000 yuan per person per year, and shall not be less than 1 1,000 yuan. Full-time graduate students (including master students and doctoral students) apply for a loan amount of no more than10.2 million yuan and no less than10.0 million yuan each year. The longest loan period is 20 years and the shortest is not less than 6 years. Students who renew loans (students who have obtained loans in previous years and continue to apply) apply from July 23rd to August 9th (except weekends), and students who apply for new loans (freshmen and students who apply for loans for the first time) apply from August 12 to September 6th. Students who fail to renew their loans within the specified time due to special reasons can make up their loans from August 26th to September 6th (except weekends) after explaining the situation to the county-level student financial assistance management center. Renewed loans and new loans need 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 go to the handling office to test their loan knowledge before they are eligible for loans. The examination content is mainly based on simple financial knowledge and integrity knowledge. Students go through the registration formalities at the University Student Financial Assistance Management Center with the loan contract and loan acceptance certificate, and the university will enter the electronic receipt before June 10. After the university generates the electronic receipt of the contract, the county-level student financial assistance management center re-examines the application materials provided by the students applying for loans in the system. After the contract is reviewed, it will be summarized in the system and submitted to the Provincial Student Financial Assistance Management Center. After the approval of China Development Bank (about165438+1mid-October), the loan funds will be transferred to the Alipay account of the loan student, and the tuition and accommodation fees will be transferred to the university according to the amount on the student receipt.

How did the student source loan step come about?

Step 1: Enter "National Development Bank Student Loan" in Baidu input field, and many search results will come out. Click on the search result "China Development Bank Student Loan Information Network".

Step 2: After entering the website, click on the column of student online service system (student source) on the left. Click register after entering, and then click agree in the terms of the registered user agreement. Then follow the prompts to complete the registration.

Step 3: After registration, log in, and then start to establish loan information. Click the loan application option on the left side of the page, and then click the "Add" button after the page pops up.

Step 4: Enter the new loan page, fill in all the information accurately, and click the "Submit" button to complete the new operation.

Step 5: Then click "Export Application Form" to export the loan information (note, when filling in the loan information, the information must be complete and accurate, otherwise the approval may not pass and the loan will not succeed! )

Step 6: Export the loan information application form, save it as a word document and print it out.

Step 7: The applicant holds the application form and goes to the local township government and the civil affairs office of the street office to affix the official seal.

Step 8: The applicant signs his name at the student's signature.

The applicant * * * together with the lender, brings the original and photocopy of my ID card, the original household registration book (if * * * and the borrower's household registration book and the applicant's household registration book are not in the same book, both of them should bring the guardian's certificate) and the copy of the college admission notice (or college student ID card) to the county-level student financial assistance management site for confirmation. (The loan qualification will be reviewed by the local financing center)

Step 9: The county-level student aid center will send the student loan contract and other materials to the branch of China Development Bank for approval. After the approval of the National Development Bank, the loan funds will be transferred to the Alipay account of the loan student, and the tuition and accommodation fees will be transferred to the university according to the amount on the student receipt. The remaining funds will be on Alipay, which can be used for students' living expenses.

Step 10: Students take the loan contract and loan acceptance certificate to the school to collect money, and the university enters the electronic receipt.

Extended data

Students who apply for loans should apply for loans to their schools with their valid certificates before and after the start of the new school year 10 days (loan applications should be directly submitted to the relevant departments of their schools, and banks do not directly accept students' individual loan applications), receive the Application Form for National Student Loans, the Commitment Letter for Applying for National Student Loans and other related materials, and fill them out truthfully.

According to the difficulties of students and the loan amount determined by the state, the school will examine the qualifications of students applying for loans, and after sending them to the handling bank for approval, the bank will sign a loan contract with the students. For some students whose families are particularly difficult and unable to provide guarantee, they can apply for loans for poor students. After the school reports to the student loan management department for examination and approval, the handling bank shall handle the loan formalities according to the regulations.