Chapter 1Totalthen
Article 1In order to conscientiously implement the Ministry of Education、Ministry of Finance、People's Bank of China、Notice of the Banking Regulatory Commission on Several Opinions on Further Improving the 188bet login Student Loan Work (State Development Office [2004] No. 51) and the "Implementation Measures for 188bet login Student Loans for General Universities in Gansu Province (Trial)" (Gan Education Department [Gansu Education Department] 2005〕No. 35) and other documents，Ensure the smooth implementation of 188bet login student loans in our school，Based on the actual situation of our school，Specially formulated measures。
Article 2National 188bet login loans refer to financial institutions issuing financial aid to students from poor families in ordinary colleges and universities、Unsecured (credit) commercial loan with interest discount provided by the finance。The purpose is to help students from poor families pay tuition、Accommodation fees, etc.，To ensure the successful completion of their studies。
Article 3The bank handling the 188bet login student loan of our school is China Construction Bank Gansu Branch Lanzhou Electric Power Branch。
Chapter 2Loan management organization and responsibilities
Article 4The main responsibilities of the school’s 188bet login Student Loan Management Center (hereinafter referred to as the loan center) are: implementing the 188bet login guidelines on student loans、Policies and Regulations，Accept business guidance from superior 188bet login student loan management agencies，Responsible for formulating the implementation measures and annual plan for our school’s 188bet login student loans，Coordinate relations among all parties，Study and solve various problems that arise during the implementation of 188bet login student loans。
Article 5The Loan Center has an office under the 188bet login Affairs Department (Department)，Main responsibilities are:
1、Responsible for reviewing the qualifications of loan applicants submitted by the college，Review the authenticity of the content of the loan application；
2、Submit the annual loan application plan and 188bet login loan application to the handling bank on schedule；Assist the bank in organizing the issuance of loans、Abort and terminate jobs；
3、Responsible for the construction of the 188bet login student loan student personal information inquiry system、Maintenance and Updates；
4、Responsible for the collection and reporting of various information on students’ 188bet login student loans；
5、Responsible for establishment、Update and manage the study and work units of borrowed students、Home address、Valid contact information and other relevant information files，Provide the 188bet login loan changes, destination changes and contact information to the handling bank；
6、Organize the publicity and implementation of 188bet login student loan regulations and loan integrity education activities，Providing student loan consulting services to students；
7、Responsible for integrating 188bet login student loan management into student file management，When creating a graduate profile，Incorporate student loan information and repayment status into the borrowing student file；
8、Complete other relevant tasks assigned by the Provincial 188bet login Loan Management Center and the School Loan Management Center, as well as other relevant matters agreed in the agreement between the school and the loan handling bank
Article 6Each college establishes a 188bet login student loan management group (which can be managed by the college’s student work leadership group)，Unify and coordinate the management of 188bet login student loans for students in this college，Main responsibilities are:
1、Promote relevant policies and regulations on 188bet login student loans to students，Providing consultation and services to students；
2、Assist school functional departments to verify the application and qualification review of students with 188bet login student loans；
3、Collect personal information of college loan students、Change、Summary and report work on schedule；
4, Do a good job in educating students on law-abiding and integrity;
5、Complete other loan-related matters assigned by the school loan center。
Article 7A witness refers to a natural person who is familiar with the 188bet login’s situation and has a close relationship with him。The witness shall be the Youth League Committee Secretary of the college where the borrowing 188bet login is located、Counselor、Class teacher、Teacher or classmate，There must be 2 witnesses，Divided into first witness and second witness，The first witness must be an on-the-job faculty member，The second witness can be a faculty member，Can also be a 188bet login，Witnesses do not have to provide guarantee for the borrower。The main responsibilities are:
1、Assist schools and loan banks to fully understand the situation of 188bet login loan students；
2、Enforce discipline and law-abiding for students who borrow money、Education on honesty, trustworthiness and contract fulfillment；
3、Keep in touch with loan students on a regular basis，When the borrowing 188bet login leaves the school due to graduation or other special reasons，Promptly provide the school or college loan management department with the new destination and latest effective contact information of the borrowing 188bet login。
Chapter 3Object, conditions and amount of loan
Article 8National 188bet login loans are targeted at full-time undergraduate and graduate students as well as second bachelor’s degree students。
Article 9 Students applying for 188bet login student loans must meet the following conditions:
1、Has the nationality of the People’s Republic of China，And holds a resident ID card of the People's Republic of China；
2、Have full capacity for civil conduct (minors applying for 188bet login student loans must obtain the written consent of their legal guardian)；
3、Abide by 188bet login laws, regulations and school rules and regulations，Good moral character，No illegal or disciplinary behavior；
4, good academic performance, able to complete normal studies;
5、The family’s financial situation is indeed difficult，The income earned while in school is not enough to cover the basic expenses (tuition fees) required to complete the studies.、Accommodation and basic living expenses)；
6、Honest and trustworthy，Commitment to repay the loan as stipulated in the loan contract，Promise to bear all financial responsibility for my borrowing behavior、Legal and Ethical Responsibilities，Promise to provide the handling bank with changes and effective contact information after graduation or after leaving school for other reasons；
7, Open a personal current settlement account at the handling bank;
8, meet other conditions stipulated by the school and the handling bank.
Article 10Borrowing students can apply for tuition at the same time、Accommodation and basic living expenses loan，But the maximum loan amount shall not exceed 6,000 yuan per person per year。
Chapter 4Application, approval and issuance of 188bet login student loans
Article 11Students applying for 188bet login student loans must truthfully provide the following information and supporting materials:
1、"China Construction Bank 188bet login Student Loan Application Form" in triplicate；
2、A "Repayment Commitment Letter" filled out by the borrower's parents or legal guardian；
3, Copies of the borrower’s valid resident ID card and 188bet login ID card;
4, the borrower’s academic transcript of the previous academic year;
5、Copies of ID cards or household registers of the borrower’s parents or guardians，If the borrower is married, a copy of the spouse’s ID card is also allowed；
6、Copies of ID cards and work ID cards (188bet login ID cards) of two witnesses；
7、Borrower’s Township、town、Proof of the family’s financial difficulties from the street civil affairs department and the county-level education administration department。
Article 12Procedure for applying for 188bet login student loan:
1、The applicant submits a loan application to the college，Receive and truthfully fill out the "China Construction Bank 188bet login Student Loan Application Form" and "Repayment Supervision Commitment Letter"，And truthfully provide relevant supporting materials and information in accordance with the requirements of Article 11；
2、Each college follows the relevant regulations on 188bet login student loans，Carefully review the contents of the "China Construction Bank 188bet login Student Loan Application Form" and "Repayment Commitment Letter" filled out by the applicant and his or her parents or guardians, as well as the authenticity and completeness of the supporting materials provided，Based on the review results, the college’s “Roster of Students Applying for 188bet login Student Loans” together with the “China Construction Bank 188bet login Student Loan Application Form” and other relevant materials should be submitted to the school loan center office within the specified time；
3、The Loan Center Office reviews the materials submitted by each department、Summary，Compile the school-wide "Roster of Students Applying for 188bet login Student Loans" and submit it to the handling bank for approval；
4、After the handling bank has reviewed and approved the loan application materials submitted by the school，The school organizes students to sign loan contracts or agreements with banks。
Article 13National 188bet login loans are issued in the following manner: the handling bank transfers the loan directly to the school’s financial account，The school will deduct the tuition fees of the borrowed students、After accommodation fees and various types of arrears，Transfer the balance to the 188bet login’s personal current settlement account (passbook) opened at the handling bank。
Chapter 5Repayment period, interest rate discount and repayment of 188bet login student loans
Article 14The repayment period of the 188bet login student loan shall not exceed six years after the borrower graduates。Borrowing students can repay before graduation，Can also be based on employment and income level，You can choose to start repaying the loan principal any month within 24 months after graduation。
When loan students go through the procedures for graduation or termination of studies，Must confirm the repayment plan with the handling bank，The repayment period is determined by negotiation between the lender and the borrower。
Article 15The 188bet login student loan interest rate is based on the statutory loan interest rate for the same period announced by the People's Bank of China and the relevant 188bet login interest rate policies，No floating，Does not include compound interest。
The state fully subsidizes the loan interest of students who borrow money while they are studying in school，The interest after graduation will be paid by the loan 188bet login personally。The starting time for individual self-payment of interest after graduation is the 1st day of the month following the date when the 188bet login obtains the graduation certificate。
Borrowing students who continue to study for a degree at our school after graduation，Must provide written proof of continuing to study for a degree to the handling bank in a timely manner，After review and approval by the bank，Can handle extension procedures，The financial department continues to implement interest discounts for enrolled students。
Article 16The 188bet login student loan repayment adopts a flexible method，The borrower can repay the loan principal and interest in one lump sum before or at maturity，You can also repay the principal and interest in installments in advance (such as annually, quarterly or monthly)，The specific loan repayment method shall be agreed upon between the borrowing student and the handling bank and shall be included in the contract。For borrowing students who repay their loans early，The handling bank calculates interest based on the actual term of the loan，No fees other than interest payable。
If students who borrowed money can repay their loans upon graduation，Loan repayment procedures should be completed before graduation and leaving school。
Chapter 6Change and termination of the 188bet login student loan contract
Article 17The loan contract is the legal basis binding both the borrower and the lender。After the loan relationship is confirmed，Except for special circumstances，The rights and obligations agreed upon by both parties to the loan shall remain unchanged in principle during the term of the loan。
Article 18When a borrowing 188bet login transfers to another school during the borrowing period，After the school and the handling bank handle the 188bet login loan transfer procedures with the school to be transferred and the corresponding bank，Or after the borrowing 188bet login repays the principal and interest of the loan，Only before you can go through the transfer procedures。
Article 19The borrowing student took a leave of absence during the loan period、Quited、Expelled from school、Study abroad or settle down、Violation of 188bet login laws、Regulations subject to criminal sanctions, etc.，The handling bank has the right to stop disbursing loans as stipulated in the contract、Measures such as early recovery of loan principal and interest。Must be done after the handling bank takes the above measures as appropriate，Or after the handling bank signs the relevant repayment agreement with the student borrower，The school can handle the corresponding procedures for it。
Chapter 7Loan risk prevention and default announcement
Article 20Students who borrow money must go through the repayment confirmation or extension procedures with the handling bank before graduation，The school classifies students’ loan status and related materials into students’ personal files。If a graduate borrows a loan and does not go through the loan related procedures，The school will not handle graduation procedures for him。
Article 21College when students graduate，Must provide the school loan center office with the valid contact address and contact number of the first employment unit of the loan graduates；For unemployed graduates with loans，Provide the valid contact address and contact number of his family，The loan center office summarizes and provides it to the handling bank。
Article 22Students who have not paid off their loans after graduation，Should be in accordance with contract requirements，Notify the handling bank of changes in personal information at any time。
Article 23Both schools and colleges should establish and improve the personal files and information query management system of 188bet login loanees，Collecting relevant information of loan students，Strengthening post-loan management of students who borrow money，Accept inquiries from the handling bank about 188bet login loan information and provide the handling bank with information about 188bet login borrowing at any time。
Article 24Implementing a reporting system for students with difficulties，Each college must regularly report the learning status of students with financial difficulties in their college、Rewards and punishments、Funded status、Report the status of obtaining 188bet login student loans to the loan center office and students’ parents。
Article 25For failure to comply with the period agreed in the repayment agreement signed with the handling bank upon graduation、Students who have repaid the 188bet login student loan amount，The handling bank has the right to charge penalty interest on the default repayment amount and name the defaulter、ID card number and default behavior provided to the Provincial and 188bet login Student Loan Management Center。
Article 26The Provincial and 188bet login Student Loan Management Center will continue to default on the principal and interest of the loan for more than one year and does not proactively contact the handling bank or does not comply with the deadline stipulated in the loan contract、Implementation Notice for Borrowed Students Who Repay 188bet login Student Loans，At the same time, indicate it on the higher education qualification inquiry website。
Article 27The borrower maliciously defaulted on the 188bet login student loan or evaded the bank debt，Making bank loans risky，The handling bank will take measures to protect creditor's rights together with relevant departments，Recover loan according to law。
Chapter 8 Appendixthen
Article 28 These measures are interpreted by the school’s 188bet login Student Loan Management Center Office。
Article 29These regulations will be implemented from the date of issuance，The original "Northwestern Normal University 188bet login Student Loan Management Measures (Trial)" promulgated on November 1, 2001 is abolished at the same time。