Su Jiao help [2008]09No.

Chapter 1  Total 

The first article  According to the "Ministry of Finance、Ministry of Education、Notice of National Development Bank on the pilot of credit aid loan pilots in some regions "(Caijiao [ [2007]135Notice of the Provincial Government General Office on forwarding the Opinions of the Provincial Education Department and other departments on the work of credit aid loan work on student source land in Jiangsu Province "(Su Zheng Office [2008]79No.) Spirit，To fully do a good job of credit aid loan work in our province，Further improving the policy system of funding for students in the province's financial difficulties,Special formulation of this implementation method.

Chapter 2  Loan nature and conditions

Two  Jiangsu Provincial Studential Loan Loan (referred to as the "Source Loan Loan") refers to the State Development Bank Jiangsu Branch ("Opening the Jiangsu Branch") commissioned students at all levels to fund management centers and settlement agency financial institutions (referred to as "" " Agent ")，New students who are issued to ordinary colleges and universities with financial difficulties in the family，It is handled by the student where the student is registered before the school、Student loan with credit as a guarantee for the borrower。Students and parents (legal guardians) are joint borrowers，jointly assume repayment responsibility。

Article 3  Students who apply for loans for students must meet the following conditions at the same time: (1) Have the nationality of the People's Republic of China; (2) Honesty and trustworthy, comply with discipline and law; (3) New students who take the unified examination of general colleges and universities and formally admitted by ordinary universities (including civil -owned universities and independent colleges)，Or a full -time general college student at school、Graduate; (4) Students 'household registration and their parents' household registration before enrollment are in the area where the loan application acceptance agency is located; (5) Family income is not enough to pay the basic costs required for academic needs during school。

Chapter 3  Loan Policy

Article 4  Credit -aid loans of students for students for students' tuition and accommodation fees during school，Application of annual application、Approval and distribution，Do not exceed each year per life6000yuan。For all places、The annual loan issuance of colleges and universities implements the quota control，The specific amount is by the Provincial Department of Education、Provincial Department of Finance according to the number of people participating in the college entrance examination and the number of non -graduate classes in the province，Every year3Monthly calculated and discussed the admission to the Jiangsu Branch of the Jiangsu Branch based on the relevant policies。

Article 5  The term of the loan of the source of the student is in principle.10Determined year, but the longest does not exceed14Year. Students during and after graduation2The year is "No Benti Benti、Payment only interest "。The academic system exceeds4year or fresh graduates studying for graduate degree、The second bachelor's degree，Corresponding extension of width limit，But the loan period is not adjusted。

Article 6  The interest of the loan of the source of the students is charged annually，The Sabbath will issue the loan capital of the Jiangsu Branch of the Jiangsu Branch。The loan interest rate is executed during the same period of the same grade RMB loan benchmark interest rate，and every year12month21Daily re -determined according to the interest rate level performed on the day.

Article 7  To help students with financial difficulties to successfully complete their studies，Finance The full subsidy of the loan interest on the student source place during the school period (allocated to the bank)。The borrower all undertakes the student's graduation year9month1Interests that occur after day, and after the graduation of the student,3Press the "equal principal method" from the year to return the principal。Loan interest every year12month20Daily settlement，If there is an early repayment, only the interest that the principal repaid the principal is collected，No other expenses。

Chapter 4  Loan application and approval

Article 8  All places、All universities in accordance with relevant national and provincial policies，Under the Organization of Provincial Student Financial Support Management Center，Implementing students who participated in the college entrance examination of the year、Qualification Examination for the qualifications of college students in the non -graduate class of schools。Certificate of Students from outside the provincial university in the school with their schools，After the qualification review work is over, students who need to be funded due to emergencies are urgently needed by valid proof，County, where the original household registration is located (city、District) Student funding management center application for loan qualification review。Students who have passed the qualification review can apply for a loan from the source of the source place，All places、Each college must be strictly reviewed，Organize implementation seriously and responsible。

Article 9  The acceptance time of the loan of the student source is in principle7Month to9Month, the specific time every year7Monthly passed the announcement。The materials that the borrower needs to submit when applying for a living place loan is:(1)Loan Certificate of Source Land (Form is attached to Form1); (2) Fill in a clear loan application form; (3) The original and photocopy of the materials below: students and1ID card of the parent (legal guardian)、Student ID (at school students) or admission notice (freshman); (4) The financial card or passbook account issued by the student at the agency bank.

Loan certificates of students are divided into three categories: (1) The provincial university non -graduate students who have passed the qualification review，from the school or the Ministry of Education and Industry (Office)、School funding center prints loan certificate and stamped with official seal，Graduate students can also be college from the school (office、Ministry) issued a certificate; (2) Applying for the fresh college entrance examination for the qualification review，Prove the loan certificate of high school in high school and stamped with the school official seal; (3) Students from foreign universities outside the province who have applied for qualification review and students who urgently need to be funded due to emergencies，Printers and loans printed by the county student funding management center and stamped with official seal。All those who do not meet the above requirements are invalid proof。

Article 10  Each county (city、District) Student funding management center is responsible for accepting the application of loans for students，Specific responsibility for guiding the borrower to fill in the borrowing application form (attachment2），Review the information of the applicant's information and student loan application，Fill in the completion of the loan application form after confirming that the school's school is published by the Ministry of Education，Entrying relevant information at the business management sky bet login system of the Bank。After the loan application is passed，County student funding management center strictly fills in the loan contract in accordance with the information content of the traffic management system of the Bank。

Article 11  Borrowing students rely on the loan contracts issued by the students from the source of students and the county -level student funding management center.，and at10month20Recently, the contract recovered by the confirmation of the seal is sent to the county -level student funding management center，Otherwise, it will be dependent on students with students to cancel the loan of the source of the source。

Article 12  11month15A few days ago，County Student funding management center will be entered into the business management system in the business management system，Create a loan application summary table (see attachment3) Submit the provincial student funding management center.

Article 13  Provincial student funding management center shall submit the Development Bank Jiangsu Branch after preliminary review of the loan application submitted in various places。The Jiangsu Branch of the Jiangsu Branch conducts a final trial in accordance with the relevant procedures，The approval results will be replied to the provincial student funding management center。Provincial student funding management centers shall be approved by the final results in time。

Chapter 5  Loan issuance and payment

Article 14  Before the loan is issued，Provincial student funding management centers open loans and deposit accounts at the Jiangsu Branch，Assistance centers at all levels at the agency bank opening source site credit aid loan settlement account，Lending students before loan application，Open a personal account at the agency bank。

Article 15  Provincial student funding management center received the loan confirmation letter of the Jiangsu branch in Jiangsu Branch，Organize county -level student funding management centers before loan issuance5Day，Complete the "Summary Form for the Lepo instruction" according to the approval amount of the Jiangsu Branch of the Jiangsu Branch (attachment4), at the same time, the "Listing Notice" (attachment5) Timely submitting the provincial student funding management center and agency bank。Provincial student funding management center summarizes，Submit a loan to the Jiangsu Branch to issue a loan to issue an application、Details of the amount of loan in each county，After the Jiangsu Branch passed the internal approval process, the loan capital was issued to the special account of the provincial student funding management center，At the same time, the provincial student funding management center submits a payment certificate to the Jiangsu Branch，The Bank of Jiangsu Branch is based on the payment instructions of the provincial student funding management center，Draw the loan fund to the account of the funding center at the agent bank。

Article 16  The Agent Bank is responsible for the "Summary Form for the Lepering instruction"，The late receipt of loan funds3Take a batch of accounts within the day，Load the loan funds from the settlement account into the Sky Bet app personal account of the borrowing student。At the same time, according to the "Summary Form for the Land in Directive"，Self -loan funds will be the late on the date of the borrowing account from the settlement account of the settlement account3During the day, the loan funds will be paid from personal account to the account of the school。The payment handling fee for the payment account from the student's personal account to the borrowing student where the student where the student is located shall be borne by the student themselves。

Article 17  After the loan is allocated, the agent is in3Within working days (extension of holidays), the "Loan Remittance Summary Form" (attachment6) After stamping the official seal，Submit a county -level student funding management center，Electronic documents and paper documents are submitted at the same time。All county -level student funding management centers shall check out in time，Maintenance Sky Bet of loans to distribution information in the management information system at the same time。Provincial student funding management center summarizes，Submit to the Jiangsu Branch。

Chapter 6  principal and interest recovery

Article 18  About normal principal and interest recovery. Per year12month21Day is a fixed repayment day，Including the principal of interest and installment repayment (the last one and interest in the contract to the date of the contract8month31Daily repayment)。The Provincial Student Subsidiary Management Center is responsible for organizing county -level student funding management centers to do a good job of repayment funds calculation，and before the return of the right rate5Daily compilation completes the "Summary Form for Deduction instructions" (attachment7), and the "Deduct Notice" (attachment8) and the "Summary Form for Deduction instructions" submit an agent bank。The proxy bank completes the repayment of the principal and interest fund deduction operation on the day of fixed repayment，Transfer the principal and interest funds to the account opened by the provincial student funding management center at the Jiangsu branch，Provide sub -county details at the same time，Do a good job of accounting。After fixed repayment is completed3Publish a settlement document to the county -level student funding management center within the working days and the "Loan Course Course Summary Form" (attachment9），All county -level student funding management centers shall check out in time，and timely enter the relevant principal and interest recycling information in the management information system of the traffic management information。Provincial Student funding management center is responsible for summarizing the "Loan Course Credit Summary Form"，Submit to the Jiangsu Branch。

Article 19  About early repayment. Per year1month15Day,7month15Daily is a fixed early repayment day。The principal whose principal whose principal is repayed by the students who are repaid all of the non -one -time repayment are500。Early repayment part calculates interest in accordance with the contract interest rate and actual use period，No costs other than the interest should be collected。Students who repay all at one time should repay all the loan interest they should bear。Lenders (or joint borrowers) should be repayed in advance for fixed repayment30Application for the Management Center of Sun Xiangxiang County Student Freedom，Fill in "Application for Early repayment of Credit Loans for Student Source Land of State Development Bank" (Annexal10），County student funding management center is responsible for acceptance，Review the early repayment，At the same time, with the assistance of the agency bank, the principal and interest repaid all the one -time repayment，Summary after summarizing the Provincial Student Funding Management Center，Provincial student funding management center review and summarize the approval of the opening of Jiangsu Branch。After approval of the Jiangsu Branch of the Bank，County student funding management center is responsible for fixed repayment before the pre -repayment5Day，Submit the proxy bank。The proxy bank completes the repayment of repayment funds deduction operation on the day of fixed early repayment，Transfer the principal and interest funds to the account opened by the provincial student funding management center at the Jiangsu branch，Provide sub -county details at the same time，Do a good job of accounting。After the completion is completed, it will be repaid in advance3Publish a settlement document to the county -level student funding management center within the working days and the "Summary Form for the Loan Deduades"，All county -level student funding management centers shall check out in time，and timely enter the relevant principal and interest recycling information in the management information system of the traffic management information。All county student funding management centers based on the "Summary Form for Loan Deduades" prepared the summary of the payment in advance，Report to the Provincial Student Fund Management Center，Do the feedback work of the borrower at the same time，Provincial student funding management center summarizes，Submit to the Jiangsu Branch，Open the Jiangsu Branch for review after review。

Article 20  Provincial student funding management center should guide、Understand the county -level student funding management centers through SMS a month before the principal and interest recovery、Phone、Registration letter, etc.，Urges the borrower to repay the principal and interest Sky Bet app on schedule。For the repayment of interest -paying interest on time，All county -level student funding management centers shall be responsible for collecting the borrower within one year of the loan expire，Pre -3Once monthly, after9Once a quarter a month，Keep all loan collection vouchers。At the same time，All county student funding management centers should be before month5For all working days of working, all overdue principal and interest accounts complete the "Summary Form for Deduction instructions"，Submit the "Deduct Notice" and "Summary Form for Deduction instructions" stamped with the official seal。Agent in the monthly6Check the balance of the student account of overdue principal and interest on a working day，If there is a balance，Timely deduction。The proxy bank is responsible for the overdue principal and interesting principal and interest of the provincial student funding management center at the Jiangsu branch account at the provincial student funding management center，Provide sub -county details at the same time，Do a good job of accounting，and after completing the principal and interest deduction operation3Publish a settlement document to the county -level student funding management center within the working days and the "Summary Form for the Loan Deduades"，All county -level student funding management centers shall check out in time，and timely enter the relevant principal and interest recycling information in the management information system of the traffic management information。Provincial Student funding management centers summarized after the "Loan Course Course Course Summary Form" of the loan overdue principal and interest，Submit to the Jiangsu Branch，Open Jiangsu Branch for account processing at the same time。

Article 21  About financial discounted and risk compensation calculation work。Provincial student funding management center shall organize county -level student funding management centers with the assistance of agency bank，Calculation and checking work for discounting and risk compensation，and every year11month10Recently completed the calculation work of finance and universities at all levels to assume discounts and risk compensation，Preparation of "Application Form for Fiscal Research and Risk Compensation for Credit Loans and Risk Compensation for State Development Bank Student Source Land" (attachment11），Provincial student funding management centers summarize after the transfer of the Bank of Jiangsu Branch for checking。Every year11month21A few days ago，The Jiangsu Branch checks the report and submit a statement and material of the provincial student funding management center，Provincial student funding management center confirmed to apply to the provincial financial department、Gathering fiscal discount funds，and on the end of the end12month21Recently, the discount funds are allocated to the Trip in Jiangsu Branch account.

Chapter 7  After loan management

Article 22  System maintenance。Provincial student funding management centers shall coordinate the use of the running management information system，and real -time maintenance of the system，Make sure the data in the system is accurate。Acting Rile Monthly Generates Loan Data Data Payment of County Student Fund Management Center，County Student funding management center is responsible for checking accounts with the agent bank，Discovery problems should be reported to the Provincial Student Submitting Management Center and the Jiangsu Branch。Adjustment of the management information system of the Bank，All county -level student funding management centers shall cooperate。

Article 23  Account Management。All county -level student funding management centers shall establish credit -assistance loan management accounts (attachment12），Maintenance regularly，Check it in time after finding a problem，Provincial student funding management center summarizes every month after submitting the opening of the Jiangsu Branch。After the management information system is launched，All county -level student funding management centers can manage the ledger through the system。

Article 24  Contract change。Contract changes mainly include account changes and repayment plan changes, etc.。The Jiangsu Branch authorized the provincial student funding management center to organize county -level student funding management centers for contract changes，The specific operation is as follows:

Account change refers to the account number that needs to change the Sky Bet app personal account of the personal account if the borrower is lost in the case of the personal account card。Studential loans from students are not allowed to change the account opening bank。Lender (or co -borrower) when the account is changed，Holding ID cards to the county -level student funding management center for change procedures。The borrower (or co -borrower) fills in the account change application and signature，Submit a county -level student funding management center。County Student funding management center conducts on -site review of the borrower (or joint borrower) and account information。After reviewing,，Modify in the management information system of the operation of the bank，County student funding management center shall notify the agent bank in time to update the borrower's account information，Save the relevant change application information for checkup。

Repayment plan changes refer to students' degree (or doctoral) degree for students、Learning and other reasons，Can't repay the repayment plan agreed in the original contract，Matters that need to adjust the repayment plan。In principle，The change of repayment plan can only be adjusted within the borrowing period agreed in the contract，No exhibition period。The change process of repayment plan is the same as the account change process。

Article 25  File Management。Loan Credit Files of Shengyuan Land According to different management departments，Divided into two categories: the first category is the archive material reserved by the county student funding management center after finishing，Including but not limited to the original "Loan Contract"、Contract return、Borrowing Student Flowing Restaurant、Lenders and co -borrower ID card copies、College back to college、Relevant vouchers formed in loan issuance and dial -up、Relevant vouchers formed in principal and interest recovery, etc.; The second category is the borrowing student credit file compiled and retained by the county -level student funding management centers。Provincial student funding management centers shall require county -level student funding management centers to sort out and submit to the Jiangsu branch to retain files，At the same time, it is properly preserved for the archive materials that retain themselves，According to the requirements of the Jiangsu branch of the Jiangsu Branch，Establishment of completion of credit files、Collection、Solving、Archives and other work，Make sure the authenticity of various files、Integration。Provincial student funding management centers and county student funding management centers in charge are supervised by this、Supervise、Examination responsibility。

Article 26  Asset quality classification and non -performing asset disposal。Provincial Student funding management center is responsible for coordinating the county -level student funding management center，According to the "Guidance Opinions of the National Development Bank Student Source Land Credit Loan Assets Quality Guidance"，at the end of each quarter20Completion of asset quality classification work，and analyze the point after each quarter3within working days，The classification results will be reported to the provincial funding center。At the same time，All county -level student funding management centers shall make risk compensation and government sharing of non -performing assets、Nuclear sales and other tasks。All county -level student funding management centers are responsible for before each quarter5Responsible for reporting to the provincial student funding management center for a monthly loan principal and interest of the previous quarter3Borrowing student information for a month，Provincial Student funding management center summarizes and submits the Bank of Jiangsu Branch。The Jiangsu Branch of the Jiangsu Branch is responsible for every year3month20Daily accounting current actual default amount as a default loss，and submit the provincial student funding management center to confirm。Provincial student funding management center confirmed，The Jiangsu Branch of the Jiangsu Branch transferred to make up for losses from risk compensation funds。Excessive part is prescribed by the Bank of Jiangsu Branch and county -level finance1：1proportion sharing。The principal and interest of breach of contract will be compensated after sky bet games online the above measures，Lending student principal and interest shall continue to be responsible for collection by county student funding management center。Recycling funds are first used to make up for losses that have not yet been compensated，The remaining part is used to return to the government to share funds、Supplementary risk compensation and reward county -level student funding management centers。The Jiangsu Branch is responsible for establishing a risk compensation management account，Record the collection and usage of risk compensation。Evol compensation for risk compensation、The government sharing all possible measures and other possible measures and the necessary procedures for implementing the necessary procedures，Studying loan that is still unable to recover，The Jiangsu Branch of the Jiangsu Branch will apply for the current regulations in accordance with the Ministry of Finance and the Development Bank of the Development Bank.。

Article 27  Risk monitoring。The Jiangsu Branch of the Jiangsu Branch is responsible for monitoring the default rate of credit aid loans and breach of contract in various districts and counties，Adopt corresponding measures to manage according to the degree of risk of the incidence。Losses over risk compensation，The county financial department shall share it proportionally。

Specific classification and corresponding measures below.

Article 28  After loan monitoring。The Provincial Student Subsidiary Management Center is responsible for coordinating the county -level student funding management centers to do a good job of post -loan monitoring work，Specific but not limited to the following:

Provincial student funding management center cooperates with the Trip in Jiangsu Branch responsible for guidance and coordination and supervision of county students' funding management centers，County student funding management center is responsible for establishing a contact system with loan student families。County student funding management centers at various township governments (street office) and village committee (neighborhood committee)、At the assistance of the middle school and agency settlement bank，Mainly through student families，Tracking Management Loan。Regular (at least once a year) and borrowing students、The contact and communication of student families，Know the borrower to read、Employment and economic income，Form an interview record and sign and archive by the interviewer。County student funding management centers shall pass through the education department and labor and personnel department，Responsible for maintaining with colleges and universities、Contact of students and employment units，Urges students to repay on time。It is found that the borrower should be studied and processed by the borrower's ability to contribute to debt repayment，Report to the Jiangsu Branch。The Provincial Student Funding Management Center is responsible for regularly summarizing the credit status of students in the jurisdiction provided by the county -level student funding management centers、Stage of learning、Work conditions and family conditions，and timely feedback to the Bank of Jiangsu Branch。Students who have obvious violations of borrowing contracts，It should be applied to the Jiangsu Branch to take a stop loan in time、Cancellation of measures such as continuing to apply for loans and recycling loans in advance。

Drives Jiangsu Branch talks about integrity、Obvious breach of breach of breach of contracts such as not repaying loans or maliciously arrears on time has the right to take punishment measures，Specifically included the list of breach students on the newspaper and related websites、Notifying the breach of contract to the employment unit of the breach of contract、Loading the personal credit reporting system of the People's Bank of China、Entering the academic query system of graduate graduates in the country。

Chapter 8  Financial discounts and risk compensation

Article 29  The loan interest of the credit loan funding target of the student source place during school is fully subsidized by finance。Jiangsu students studying in the central ministries and commissions and ordinary universities outside the province，Its loan discount funds are borne by the central government，from ordinary universities in the province，Belove by the provincial finance。

Article 30  Special funds for compensation for credit aid loans for students from students，The amount issued by the loan15%Building one -time。Jiangsu students studying in the central ministries and commissions and ordinary universities outside the province，Its loan risk compensation funds shall be borne by the central government;，It is jointly undertaken by the Central Finance and our province，Our province's undertaking part shall be borne by relevant universities1percentage point, the rest should be borne by the provincial finance.

Article 31  Financial discounted funds and risk compensation special funds are made by provincial finance every year12month20A few days ago.

Article 32  Loan Risk Compensation for Rural Source Land is implemented by the State Development Bank for special account management，It is mainly used to prevent and make up for the loss of loans of the birthplace。Risk compensation money if it exceeds the loss of the source of the birthplace，Excessive part of the county (city、District) Student funding management center;，Insufficient parts shared by the State Development Bank Jiangsu Branch and the county -level financial department to share50%。

Chapter 9  Other matters

Article 33  These measures are implemented from the date of printing.

Article 34  This method is by the Provincial Department of Education、The Provincial Finance Department and the Development Bank Jiangsu Branch jointly explained。