First of all, you have to be a member of the school poverty alleviation library. Secondly, you can apply by yourself and submit an application form, which is approved by the counselor and the class review team.
Second, the repayment process of student loans in Anhui Province
According to the Interim Measures for the Administration of Student-origin Credit Student Loan of China Development Bank, the prepayment process of student-origin student loan is as follows:
1. Every year, 65438+ 10/0 and July 15 are fixed prepayment dates. The loan principal repaid in advance must be an integral multiple of 500 yuan or paid off in one lump sum. The interest on the prepayment part is calculated according to the interest rate agreed in the contract and the actual service life, and no other fees are charged except the interest payable. There is no interest for students to repay in advance during their school days, and there is no interest for graduates to repay in advance before September 1 of the year of graduation, and interest will be paid from September 1.
2. The borrower shall apply to the county student aid center 30 days before the prepayment date, and submit the Application for Prepayment of Student Loan of China Development Bank (see Annex 1).
Third, the county financial aid center summarizes students' applications, and after the interest is calculated by the agent bank, it fills in the Pre-repayment List of Credit Student Loans in XX County (Annex 3) and reports it to the provincial financial aid center, and sends a copy to the agent bank. At the same time, inform the students to deposit enough funds in the agent bank to repay the principal and interest.
Four, the agent bank according to the "XXX county student loan prepayment list" provided by the county aid center, on the day of deduction, deduct money from the borrower's account and immediately transfer it to the settlement account of the county aid center, and on the same day, transfer the deduction from the settlement account of the county aid center to the account opened by the provincial aid center in the development bank. After the deduction is completed, the agent settlement bank will submit the repayment list to the county funding center.
Five, the provincial student aid center summary audit county student aid center to provide "XXX county student credit student loan prepayment list", fill in the "Hubei province student credit student loan prepayment summary table" (Annex 4) and attach the "XXX county student credit student loan prepayment list" submitted by the county student aid center to report to the customer.
Six, according to the jurisdiction of the customer, the county capital center to provide a copy of the repayment list to the relevant customers, and notify the relevant customers for early repayment. After reviewing the prepayment list, each customer office shall fill in the Application Form for Prepayment of Student Loans of Hubei Branch, affix the official seal of the office, keep the original on file, and submit the copy as the repayment attachment to the finance office. At the same time, according to the requirements of credit management, the repayment credit is approved and the repayment workflow is started.
Seven, the accounting department according to the repayment workflow approval form and the Hubei province student credit loan prepayment summary table "and the Hubei branch student credit loan prepayment application form", deduct the repayment principal and interest from the provincial loan center account. The accounting department will print the principal and interest repayment voucher from the core system the next day, affix the official seal of the business and submit it to the customer and relevant account managers for filing.
Eight, the relevant customer departments according to the prepayment situation to fill in the XXX county student credit loan prepayment feedback form, and build official seal, feedback to the county funding center. The county funding center is responsible for feeding back the repayment situation to the borrower.
Nine, in case of special circumstances, need to apply for early repayment. After being accepted by the county financial aid center, fill in the Notice of Deduction for Students' Independent Repayment, submit it to the provincial financial aid center for review, and submit it directly to the relevant customers for acceptance. After the early repayment is completed, the relevant customer office will hand over a copy of the Notice of Deduction for Students' Independent Repayment to the customer, who will be responsible for unified statistics and summary.
3. What is the online prepayment process of student loans in Hubei Province? Please be as detailed as possible. Thank you!
You mean that little green book? Didn't you hear about the student loan at home? If you don't know, you can also apply for a national or student loan at school. I personally run a student loan, although the procedure is a bit troublesome, but it is understandable. It may be helpful to refer to the following notice.
Notice of colleges and universities on doing a good job in the preparation of 20 10 student credit loan
Colleges and universities:
In order to strengthen the management of students and improve work efficiency, 20 10 updated and improved the credit of students' origin. At present, some policies and information systems are still in colleges and universities. Students who intend to apply for student-origin credit loan this year can get the latest information in advance, which is convenient for students to apply for loans. The relevant work of the credit student loan in our province is hereby notified as follows:
First, do a good job in students' application for student-origin credit loan.
1, the school student financial aid management department is the management department of student-origin credit student loans. Students' credit student loan work is mainly based on the student financial aid management department, supplemented by other departments of the school, especially when issuing certificates for students with financial difficulties from families, which can only be issued by the student financial aid management department in a unified way, and the certificates issued by the school should be prepared.
2. Applicants must apply for adult education, various non-academic education, training schools, self-taught schools and other ordinary full-time students.
3. Applying for family study loan is a measure of family financial difficulties. The target of financial aid is students who have financial difficulties and are unable to pay tuition fees. When examining and approving the application for student status, the school should strictly control the situation, combining with the identification of students' difficulties in school, daily consumption, tuition payment and so on. Students who are able to pay tuition fees are not allowed to issue strict application certificates, which leads to non-poor students getting the responsibility of the relevant responsible person. See attachment 1 Certificate of Credit Student Loan for details.
4. Apply to the state to help students choose voluntarily. National student loan and student source credit student loan are two forms of student loans, especially in colleges and universities that have already started national student loans, students may not be forced to repay loans, but the same student is in the same year.
Up to now, the provinces, cities and districts where the state has offered student loans are: Shanxi, Jiangxi, Qingdao, Shandong, Hubei, Hunan, Guangxi Zhuang Autonomous Region, Hainan, Chongqing, Sichuan, Guizhou, Yunnan, Shaanxi, Gansu, Qinghai and Ningxia Autonomous Region. In addition, Hebei Province and Fujian Province are handled by agriculture, and whether other provinces are open or not, students can consult the local education bureau during the summer vacation.
Second, be prepared for high-profile management.
20 1 student loan information system increases the management process of colleges and universities. The specific responsibilities of institutions of higher learning are as follows:
1. Collection entry: enter the total unpaid amount of students and university account information, and export the collection information and send it to the financial aid center of the county where the students are located.
2. School information change: the management function of school students' school information change. Including: add, modify, delete and other operations.
3. University account maintenance: the management function of university account, including adding, modifying and deleting.
4. Graduation confirmation: organize graduates to confirm personal basic information, communication information, contact information, household registration information, loan situation and other information.
5. Data submission by the Ministry of Education: Collect the personal information, family information, loan information and work information of each graduate student who borrows money, and report to the Ministry of Education for the record according to the data format of the Ministry of Education.
6. School information maintenance: the function of modifying and maintaining school contact information.
7. Tuition arrival inquiry: Check the information of tuition arrival in colleges and universities returned by Alipay.
The student financial aid departments of colleges and universities are requested to designate special personnel to familiarize themselves with the relevant operations of the student source credit student loan information system in advance according to the following procedures:
1. Log on to the website of China Development Bank (), register and submit a loan application. 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. Renewed loan students
Students log on to the student online service system of China Development Bank's student source credit student loan and submit a loan renewal statement. After the university or county financial aid center reviews the loan extension statement, they submit the loan application. After online application, generate, export and print the application form.
(2) Qualification for financial difficulties
1. Students who have passed the pre-application for high school.
No qualifications are required.
2. Renewed loan students
No qualifications are required.
3. There are urban and rural low-income households and poor households who have established a file.
If the above two types of students have been included in the pre-application list, there is no need to identify their qualifications. If it is not included in the pre-application list, it can be handled directly with relevant documents, without additional qualification identification.
4. Other first-time loan students
Other first-time loan students hold application forms to the relevant departments to confirm their family financial difficulties. Proof of family financial difficulties can be provided by any unit of the borrower's high school, village (neighborhood) Committee and township (street) civil affairs department. If confirmed by the above-mentioned departments, fill in the review opinions in the relevant position of the "Qualification Examination" column of the application form, affix the official seal, fill in the date, sign by the agent, and leave the contact number.
(3) Site acceptance
1. First-time loan students
Present: the original ID cards of the student and the borrower, the original admission notice (the student is the original student ID card) and the original household registration book (if the student and the borrower are not in the same household registration book, the original household registration books of both parties are required);
Submission: the original application form signed by the student himself (only the application form signed by himself is required for those who pass the pre-application), a copy of the borrower and the borrower's ID card, and a copy of the admission notice (or student ID card).
note:
(1) Check the original residence booklet, there is no need to leave a copy;
(2) If * * * and the borrower are parents and are not in the same household registration book, the original household registration books of both parties shall be presented;
(3) If * * * is not the borrower's parents, and the township (street) civil affairs department has issued relevant certificates that parents cannot be the borrower of * * *, it is only necessary to check the original household registration books of both parties and confirm that both parties are in their respective jurisdictions. The county funding center retains the original documents of the township (street) civil affairs department.
2. Renewed loan students
Borrowing students or * * * and borrowers can go through the loan renewal procedures at the county-level funding center.
Present: the original ID card of the borrower or the same borrower who went through the application formalities on site.
Submission: the original application form signed by the borrower or * * * with the borrower.
3. On-site acceptance time
The processing time is from July 16 to September 14.
4. Accepting department
The student financial assistance management department of the Education Bureau of the county (city, district) where the borrower's household registration is located before enrollment.
(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. The deadline for entering the electronic receipt of the contract is 20 18 10 10. If it is not entered within the time limit, the loan application will be automatically revoked according to the loan contract.
Four. Loan issuance and payment
This contract will come into effect after the approval of Anhui Branch of China Development Bank.
After the contract comes into effect, Anhui Branch of China Development Bank will transfer the loan funds to the borrower's personal Alipay account through Alipay, a third-party payment platform, 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 on 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; rest