Examination and approval system, business system, accounting system and collection system.
Microfinance management system is a system specially developed to meet the business management needs of microfinance companies. It is a business management system specially developed for small loan companies, such as fee approval, transaction record, financial settlement, contract management, salesman assessment, process management and so on, from loan acceptance to loan settlement, risk control to customer service.
What should I do after signing the student loan contract?
After signing the contract, print the loan acceptance certificate and submit it to the students. Students report to colleges and universities with loan contracts and loan acceptance certificates, and ask the teachers in the financial aid center of colleges and universities to log in to the student loan management system and enter the student receipt and check code. Some schools input check codes online, which is the specific requirements of specific schools.
When applying for a student loan, you need to go through the following procedures:
Log in to official website and China Development Bank, fill in the loan application form and print it out;
With the borrower of * * * with ID card, school certificate, application form and other materials, sign a loan contract with the student financial assistance center of the local education bureau;
Bring the loan acceptance certificate and loan contract of the local student aid center to report to the university;
Please log in to the student loan management system and enter the check code and student ID card.
It is not difficult to see from the above that after signing the student loan contract, everyone still needs to go through some formalities.
(a) loan certification materials
1.09. For freshmen enrolled in 2009 and provincial and municipal students who have offered student loans in provincial and municipal universities, the qualification of students with financial difficulties has been completed in advance by the local education authorities. Students who have passed the pre-application examination must be certified by the graduated middle school or university to open a student-origin credit student loan in the province or city.
2. Students from other provinces and cities who offer student-origin student loans in universities in other provinces and cities must issue loan certificates by their universities.
(2) identification materials
1. The borrower and the original and photocopy of the borrower's ID card and household registration book (the guardian can also use the military card or armed police card as valid documents);
2. Admission notice or student ID card. Freshmen with the original and photocopy of the admission notice, students with the original and photocopy of the student ID card; Application Procedures A borrower who applies for a loan applies for a loan to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where his household registration is located (hereinafter referred to as the "county-level financial assistance center"), fills in the loan application form and provides the following materials:
1. The borrower and the original and photocopy of the borrower's household registration book;
2. The original and photocopy of the borrower and the borrower's identity card (or valid identity certificate);
3. Student identification. Freshmen with university admission notice and its copy; Students should show their student ID card and the proof of the borrower's source of life issued by the borrower's university. Signing of the Contract ① The local financial aid center shall review the application materials → ② The local financial aid center shall instruct the borrowing students to open personal accounts in the handling bank → ③ Sign the loan contract of student-origin credit student loan →→ ④ The local financial aid center shall issue the receipt of the student-origin credit student loan contract. Contract Receipt ① Borrowing students bring the contract receipt to the school → ② The school goes through the formalities according to the requirements of the contract receipt → ③ The students themselves send the contract receipt back to the county-level financial aid center where the students are located → ④ The local financial aid center prepares a summary table and submits it to the provincial student financial aid management center → ⑤ The provincial financial aid management center submits it to the handling bank for review. Loan issuance ① The handling bank transfers the loan funds into the borrower's personal account→→→→ ②.
National Development Bank Student Source Student Loan System Operation Guide Manual
The student source loan funds of China Development Bank are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of national student loan. For students who are not familiar with the student loan system, it may be unfamiliar. In order to facilitate everyone to fully understand the operation process of the student-origin student loan system, we have integrated relevant materials for your reference.
Introduction to the article:
National Development Bank student loan system registration.
Online Application for Student-origin Student Loan of China Development Bank
The Process of Student-origin Student Loan in China Development Bank
Text:
National Development Bank student loan system registration.
If the URL is or the URL prompts that there is something wrong with the website's security certificate, please ignore it. For newly enrolled students and college students who have not applied for loans before, please select "Continue to browse the website".
1. Click on the website and select "Student-origin Student Loan" in "Please select your loan type".
2. Click "Register".
3. Click "Agree" in the terms of the registered user agreement.
4. Enter your name (no space in the middle) and the real and valid ID number of 18 digits, and choose the financial aid center for handling loans: Henan-Xuchang-changge city Student Financial Aid Management Center.
5. Enter "Graduating Middle School". Such as: Changge No.2 Middle School
6. Enter the information of your school, click "Select University" after "University Name", enter the name of your school, click "Query", click "Select" before your university, and click "OK". Enter "Department Name", "Specialty Name" and "Specialty Category" in turn, and enter the student number, academic year, academic system and education background. (Note: 1, the name of the university, the name of the department and the name of the major should be filled in strictly according to the contents of the notice; 2. The student number of newly admitted students can be left blank; 3. The year of enrollment is the time to enter the university, that is, the time to enter the freshman stage).
7. Click Next to set the login name, password and security information. (Login name and password are used to log in to the system, please remember after registration. Security information is used to retrieve passwords and protect personal information.
8. Enter Personal Information, Communication Information, Family Information and Contact Information in turn. Fill in the above information as completely as possible so as not to affect the loan approval. After filling in all the information, click "Submit". If the approval of the student loan is rejected due to incomplete information, the student shall be responsible (note: the contact person should be a third-party contact person, a relative or friend of the student, or a former middle school teacher, village committee or community cadre familiar with the borrower, and cannot be duplicated with parents and borrowers).
9. A prompt "Registration Successfully" will pop up on the page. Click "Back" to log in with the login name and password you just registered.
10. After logging into the system, you can modify the above information such as "Personal Information" and "School Information". Click Submit after modification. Employment information is not filled in now, and it will be improved after graduation to find a job.
Online Application for Student-origin Student Loan of China Development Bank
1. Click Loan Application in the selection column on the left, click Add, select Loan Amount, Loan Term, Loan Application Reason, and then enter Loan Reason Description.
Note: A. The loan amount applied for should be "tuition" or "tuition and accommodation fee" in principle, but it should not exceed 6,000 yuan, and it must be an integer multiple of "100" and exceed 3,000 yuan. Suggest a loan of 6000 yuan or 5000 yuan;
2. The longest loan term is 14 years, and the specific calculation method is: freshman = academic system 10 (the calculation result is greater than 14); Students in colleges and universities = academic system-years of study 10 (please fill in 14 if the calculation result is greater than 14). It is suggested to choose the longest loan term, or choose the corresponding term according to your repayment ability two years after graduation.
3. The issuer of the loan certificate (village committee, graduated high school and township civil affairs department), date of issuance, contact person (fill in two contacts) and contact telephone number (fill in the telephone numbers of two contacts, separated by "-"). It can also be added after the application form is exported and printed and signed and sealed by the certification unit.
4. Enter the information of the * * * same borrower (students who renew their loans can choose the original * * * same borrower in the drop-down box, or they can choose to add a new * * * same borrower, and freshmen can choose to directly add a new * * * same borrower. In principle, the same borrower must be the parents or immediate family members of the students).
5. Account information, the settlement institution chooses "Alipay" (Note: After the loan application is accepted, the Alipay account number will be automatically generated when the contract information is entered and printed on the contract, so that students can know their Alipay number in the contract. See the website description for Alipay operation. The initial password of Alipay account generated by the first loan application is printed on the loan acceptance voucher. Please modify it in time and keep it in mind after logging in. This Alipay account is a special account for student-origin credit student loans, which is deducted by Alipay, and is specially used for loan issuance and return, and cannot be used for other transfer payments. If there is a balance, it can only be withdrawn through the "cash withdrawal" function).
6. Click "Submit" and a prompt will pop up, indicating that the application has been submitted successfully. Click "Return", click "Select" to select the listed application form, and then click "Export Application Form". After saving as a word document, print the application form directly (in duplicate). (The application form must be exported from the system after it is completed in the system, and it is not allowed to be filled in manually, nor can it be edited by itself after it is exported. )
7. Students take the application form to the village committee (village committee, graduated high school, township civil affairs department to choose one) and other departments to build official seals.
8. Students shall present the application form and valid proof of poverty that meets the requirements of loan conditions, a copy of the original loan contract of the previous school year (students who continue to borrow) or other required certificates to the aid center for on-site confirmation. Local funding centers will conduct loan knowledge assessment and qualification examination for applicants, and sign loan contracts after passing the qualification examination.
9. Students take the loan contract and loan acceptance certificate to the school for receipt, and the university enters the electronic receipt.
10. The county-level student aid center sends the student loan contract and other materials to Henan Branch of China Development Bank for approval.
1 1. 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 process of student-origin credit student loan of China Development Bank is as follows:
(1) online application
Students log on to the online student system of China Development Bank's Student Source Credit Student Loan (website) to register and submit loan applications. After online application, generate, export and print the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the "Application Form").
(2) Qualification for financial difficulties
First-time loan students hold the application form to the township (street) civil affairs department to confirm the family financial difficulties. Confirmed by the township (street) civil affairs department, fill in the audit opinion in the relevant position of the "Qualification Audit" column of the application form, affix the official seal, fill in the date, sign the name of the agent and leave the contact number.
(3) Site acceptance
Present: the original ID cards of students and borrowers, the original admission notice (students are the original student ID cards) and the original household registration book;
Submission: the original application form signed by the student himself, copies of ID cards of both parties, and copies of admission notice (or student ID card).
(4) Opening an account
China Development Bank entrusts Alipay, a third-party payment platform, as the agency of credit loans for students' origin, and is entrusted to issue and recover loan funds. China Development Bank entrusts Alipay to open an Alipay account for borrowing students.
(5) Signing a contract
The staff of the Student Financial Assistance Management Section of the County (city, district) Education Bureau conducted a preliminary examination of the materials submitted by the students. After the examination and approval, the China Development Bank Student Credit Student Loan Contract shall be signed, and the borrower and the borrower shall be issued with the Acceptance Certificate of Student Credit Student Loan of China Development Bank (hereinafter referred to as the Acceptance Certificate) and the contract text in duplicate.
(six) the receipt of colleges and universities to enter the contract
Borrowing students report to the school with the acceptance certificate, and the person in charge of the school student financial assistance management department logs into the student loan management system of the Development Bank and enters the electronic contract receipt. If the electronic receipt of the contract is overdue, the loan application will be automatically cancelled according to the loan contract.
(vii) Loans and payments
This contract will come into effect after the approval of China Development Bank. After the contract comes into effect, China Development Bank will transfer the loan funds to the borrower's personal Alipay account through the third-party payment platform Alipay according to the loan amount agreed in the contract. The third-party payment platform transfers the corresponding loan funds to the account of the borrower's school according to the unpaid amount included in the contract receipt, which is used to pay the tuition and accommodation fees of the borrower's students during their study in colleges and universities; The remaining loan funds are left in the borrower's Alipay personal account, and the borrower can withdraw them after completing the real-name authentication.
First, the National Development Bank student loan repayment in advance:
1. Application: Every year 1- 10, you can log in to the student online service system to apply, or you can contact the county financial aid center to apply.
2. Log in to the student online service system to inquire about the prepayment amount, and apply for 15 to deposit the funds into the Alipay associated account in the current month.
3. Check the repayment.
Two, the National Development Bank student loan repayment on schedule:
1. Application: 65438+ February 20th every year is the fixed repayment date. Alipay real name authentication.
2. Log in to the student online service system to inquire about the prepayment plan, or contact the county funding center to inquire about the prepayment plan.
3. The deposit amount is 65438+February 65438+May.
4. Check the repayment situation.
Three, the National Development Bank student loans overdue repayment:
Repayment date: June 1 to June 10, June 12, 20th of each month. The overdue penalty interest is 130% of the current expected annualized interest rate. You can make repayment according to the "reminder" of CDB and county funding center.
It is the most convenient way to repay the student loan from Alipay National Development Bank. I hope the above contents can provide some help to college students. For more information about student loans from China Development Bank, please pay attention to Jin Fang University.
Who cares about the contract number of provident fund loan?
The provident fund loan contract number is managed by the provident fund management center and is a set of user-defined numbers. Generally, when applying for a loan, the provident fund management center system will automatically generate a set of user-defined serial numbers, which are mainly used for post-approval, inquiry, loan file viewing and other businesses, mainly to ensure the effective custody of loan information.