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Welcome to apply for national student loan from China Development Bank，In order to facilitate students to use the development bank’s student loans，Understand your rights and obligations，Clear Loan、Understand repayment，We wrote this manual for our students，Please read carefully，Keep it in a safe place。If you have any questions，You can log in to the China Development Bank Student Loan Information Network (http://www.csls.cdb.com.cn/) query.

No.Part 1 Introduction

1.1China Development Bank

National Development Bank(China Development Bank) was established in 1994，Directly under the leadership of the State Council。Long time，Development Bank to “enhance national strength，Improving people’s livelihood” is our mission，Conscientiously implement national macroeconomic policies，Perform macro-control functions，Support economic development and strategic adjustment of economic structure，Infrastructure that is related to the lifeblood of the country’s economic development、Major projects and supporting projects in basic industries and pillar industries are under construction，Play the role of the main bank in the field of long-term financing。In order to fulfill the promise of the party and the government to “not let a single student drop out of school due to family poverty”，CDB has been undertaking national student loans (college student loans) since 2005，Developed and provided student loans since 2007。At present, the Development Bank has issued a total of nearly 20 billion yuan in student loans，Benefiting 3.8 million students from families with financial difficulties。According to 2010 statistics from the Ministry of Education，CDB’s share of student loans accounts for more than 70% of national student loans。

1.2Credit student loan from student’s place of origin

Student loans with student origin credit refer to the loans issued by the Development Bank to freshmen and current students in ordinary colleges and universities whose families have financial difficulties、The county (city) where the student’s household registration is before enrollment、District)。The loan from the place of origin is a credit loan，The student and parent (or other legal guardian) are co-borrowers，Shared repayment responsibility。

1.2.1Loan object

Full-time general undergraduate colleges and universities、Undergraduate students in higher vocational schools and colleges (the list of schools shall be subject to the announcement of the Ministry of Education)、Graduate and second bachelor’s students。Those who have obtained national student loans in colleges and universities that year，Do not apply for student origin loan at the same time。

1.2.2Loan contract signing

Development Bank student loan contract for student origin is signed once a year。When signing the loan contract for the first time，The borrowing student and the co-borrower must be present at the same time; when signing the contract for loan renewal，Either the student or the co-borrower can apply with the "Authorization Letter"。

1.2.3 Loan amount and purpose

The loan amount applied for by each student per year shall not be less than 1,000 yuan，Not more than 6,000 yuan。Student loans from the student’s place of origin are in principle used to pay the tuition and accommodation fees of the borrowing students，When the loan amount is higher than the actual needs for tuition and accommodation，The remaining part can be used for student living expenses。

1.2.4Loan term and grace period

The loan term is in principle determined based on the full-time undergraduate program plus 10 years，Minimum no less than 6 years，No more than 14 years。Study for more than 4 years or continue to study for a graduate degree、Second Bachelor’s Degree，Correspondingly shorten the loan repayment period after graduation。Two years after graduation are the grace period，The grace period is until December 20 of the second year of graduation。In principle, student loans from the student’s place of origin are not extended。

1.2.5Loan interest rate

The loan interest rate is based on the benchmark interest rate for the same period and grade of RMB loans announced by the People's Bank of China when the loan is issued。The loan interest rate is adjusted once every December 21st，The adjusted interest rate is the benchmark interest rate for RMB loans of the same grade and period for the same period announced by the People's Bank of China on the adjustment date。

1.2.6 Co-borrower

In principle, the co-borrower is the parent or legal guardian of the borrower，The household registration must be the same as the borrower’s household registration before enrollment; when the co-borrower is not m88 best betting websitea m88 best betting websiteparent，Age must be between 25-60 years old。

1.2.7 Repayment Rules

Starting from September 1st of the year of graduation。December 20 of each year is the normal interest repayment day。You only need to pay the interest yourself during the grace period，No principal repayment required。On December 20 of the following year after the end of the grace period, the principal will be repaid in equal amounts in addition to self-paid interest，Full repayment is required on September 20 of the last year of the loan period。

Part 2 Loan application

2.1 Student Loan Application Process for the Place of Origin

Required materials for initial application: stamped application form、I and the co-borrower’s ID cards and college admission notices (current students must hold student ID cards) and copies of the above materials; I and the co-borrower only need to show their household registration books，No copies required; and other materials required by the funding center。

From 2011，Students only need to go to the University Financial Aid Center to apply for electronic receipt online，No need to mail a paper receipt。

When applying again, if the student or co-borrower cannot go to the acceptance site，The other party can apply with the "Power of Attorney"。From 2011，Terms of the new student loan contract for the student’s place of origin，The borrowing student and the co-borrower have a mutual authorization relationship by default，There is no need to sign the "Power of Attorney"。

No.Part 3 Repay loan

3.1Normal repayment

Notes:

(1) Loan students who have not yet adopted Alipay repayment method please apply to change to Alipay repayment。Please refer to 4.3 Notes (1) for the change method。

(2) To prevent repayment failure due to a small difference，Students please deposit an extra 10 yuan when depositing the repayment amount，The excess will not be deducted。

(3) Please refer to 4.3 Notes for the account association method (4) "Real-name Authentication - Cartoon Authentication" entry。

3.2Early repayment

Notes:

(1) Early repayment requires a one-time repayment of the contract，Partial early repayment is not accepted。

(2) You can apply for early repayment before the 10th from January to October every year，Interest is calculated until the 20th of the month。If you apply after the 10th of the month, it will be regarded as an application for early repayment next month，Interest is calculated until the 20th of the next month。

(3) Recharge sufficient funds into your personal Alipay-related account for repayment before the 15th of the month。If funds are insufficient，It will be regarded as automatically giving up the early repayment application，No overdue processing，You can continue to apply next month。

3.3Overdue repayment

Except November，Overdue loan repayments can be made before the 20th of every month。After paying the principal and interest，If the repayment is not made in time on December 20 of that year，will be regarded as loan overdue，And penalty interest will be generated from December 21st，Overdue penalty interest is 130% of the current interest rate。The principal and interest payable when repayment is overdue includes the overdue principal and interest and the penalty interest as of the 20th of the month of repayment。The specific amount can be checked by logging into the student online service system。

No.Part 4 System usage

4.1China Development Bank Student Loan Information Network

The URL is http://www.csls.cdb.com.cn/ ，Students can learn about student loan related policies on this website、Dynamic、FAQ，And download relevant information。Log in directly to this website without registration，And provide a link to the student online service system。

4.2Student Online Service System

The student loan website of the student’s place of origin is https://sls.cdb.com.cn/ ，You can apply for early repayment through this system，Check loan status、Repayment plan and repayment record，Change personal information、Co-borrower information changes and personal account changes。

Notes:

(1) Students please pay attention to the operation guide at the bottom of the page when using this website。

(2) Students who are new to applying for a loan need to register to log in to this website; students who have already received a loan will default to the login name of the university they are studying in + their ID number，The initial password is my 8-digit birthday number，When logging in to the system for the first time, you will be prompted to change your password and then log in to the system。

(3) Graduation confirmation is an important step for students to start repayment，To understand the repayment plan、Make sure you can repay your loan on time，Students please log in to the student online service system before graduation，Do a good job in graduation confirmation。

(4) Alipay will send repayment reminder text messages to students’ mobile phones 5 days before the repayment date，To facilitate students’ repayment，Avoid passive breach of contract，Students please be sure to log in to the student online service system in time to update your mobile phone number (very important)。At the same time，Students are also asked to regularly maintain changes to their other information，Cherish your personal credit record。

4.3Alipay third-party payment platform

When the Development Bank signs a student loan contract with students, it will automatically generate an Alipay account for free，Alipay is the leading third-party payment platform in China，Students can transfer funds to and from banks and other financial systems through this account。Currently，Student loan repayment through Alipay is the main repayment method of Development Bank，Using Alipay to repay is not subject to the opening bank、Regional and time restrictions，And no handling fee，Safe and easy to operate，Students please be sure to master the usage skills。

Alipay website ishttp://www.alipay.com/，Students can conduct real-name authentication on this website、Cartoon certification、Account recharge and other operations。In addition to student loan business-related operations, this account can be used，You can also use the online shopping provided by Alipay normally、Online transfer and other functions。

Notes:

(1) Loan students who have not yet adopted Alipay repayment method need to log in to the student online service system - personal account change module to apply if they want to activate Alipay repayment，The specific m88 live casino and sports m88 bet loginbettingoperations are as follows:

(2) The password for the Alipay account applied for in 2010 defaults to the remaining part of the student ID number after removing the first 6 digits (for example, the ID number is: 110110199009011234，The password is: 199009011234)，The initial Alipay password for new applications in 2011 is printed on the loan acceptance certificate。You must change your password when logging into Alipay for the first time。

(3) The remainder of the loan amount greater than the total of tuition and accommodation fees will be deposited in a personal Alipay account，Students can withdraw money after real-name authentication。

(4) Real-name authentication: It is an identity recognition service provided by Alipay，Students who pass the certification are equivalent to having an Internet ID card，Increases the creditworthiness of the account owner。No charge for real-name authentication，Can be carried out through cartoon authentication (recommended) and ordinary authentication。

Cartoon certification: “Alipay Cartoon” can connect students’ Alipay accounts and bank cards，You can recharge your Alipay account online to repay principal and interest without opening online banking。Cartoon certification demonstration website: http://abc.alipay.com/show-how/accountCertifyApply.html#s1-1-1

General authentication: Demo URL: http://abc.alipay.com/show-how/accountCertifyApply.html#s2-1-1

(5) Online banking recharge: Alipay currently supports ICBC、China Merchants Bank、19 online banks including China Construction Bank recharge Alipay accounts，Before recharging，Students need to open online banking for bank cards first。

Recharge process: Log in to Alipay website，Click "Recharge"→Select Online Banking to Recharge，And select the online banking you want to use → jump to the bank page，Fill in the password and other related contents→Recharge successful。

Demo address:http://home.alipay.com/individual/inpourBank.htm

(6) For other recharge methods, please see Alipay’s official website，Please see the attachment for frequently asked questions about Alipay。

No.Part 5 Contract change

5.1Change of identity information

(1) Borrowing students or co-borrowers need to apply at the county center with relevant certificates related to the change of identity information from the public security department。

(2) County center conducts on-site review，Check relevant information，After the error is correct, change the identity information of the student borrower or co-borrower in the loan management system of the student’s place of origin。Export and print change orders。Change order in duplicate，The borrowing student and the county center each keep one copy。The change order will take effect after it is signed by the student borrower or co-borrower and reviewed by the person in charge of the county center。

5.2Change of schooling information

Students are on leave from school、Advancing to higher education、Repeat a grade、Level skipping、Quited、Expelled from school、Going abroad、You need to enter the name of the university for reasons such as transfer、Enrollment year、Change of academic system or graduation year。The steps are the same as changing identity information。

5.3Changes in schooling information and financial discounts

Students apply for changes in school information (such as further education、Suspension of study) Adjust the contract interest discount date，Relevant materials need to be submitted for review and certification by the County Funding Center and Development Bank，Change the starting and ending dates of the contract interest discount at the same time、Grace period, expiration date, etc.。It can only take effect after being approved by the Development Bank，Continue to enjoy the national fiscal discount policy。If not changed in time，Pay the interest incurred。

No.6 parts About integrity

6.1Personal credit record

“Integrity” is the most precious cornerstone in life，The most dazzling business card in your career。In order not to leave an indelible stain on your personal credit record，Students please remember to fulfill the repayment obligations stipulated in the loan contract，Repay in full and on time。

Personal credit record is an intangible wealth，In addition to earning a good reputation，The biggest benefit is to accumulate credibility and wealth for individuals，Can be used as credit collateral for borrowing from banks，Convenient, fast and favorable loan processing for individuals、Provide assistance with credit card and other businesses。The Development Bank has established a personal credit record for every student who borrows money，And according to the requirements of the People’s Bank of China，Regularly submit students’ personal credit records to the China Personal Credit Information System。After having a personal credit record，Equivalent to establishing a personal credit file，Repay loans and credit card overdrafts to the bank on time every time，All will be collected in personal credit record，Accumulate credit wealth for you。

6.2China Personal Credit Information System

China’s personal credit reporting system is organized by the People’s Bank of China，Personal credit system established by various commercial banks。The information includes three major categories: First, identification information: including name、ID card number、Home address、Working unit, etc.; second, loan information: including loan issuing bank、Loan amount、Loan period、Repayment method、Actual repayment records, etc.; third, credit card information。January 2006，Personal credit reporting system is now online nationwide。According to relevant national documents and regulations，For failure to comply with the agreed deadline、Students who repaid the national student loan amount，The handling bank charges penalty interest on the illegal loan amount，And load its breach of contract into the personal credit system，Financial institutions will no longer handle new loans and other credit business for him。As long as the defaulting student has a job after graduation，Opened a salary account in the bank，His credit information will be recorded in the personal credit system，Easy to be found。Also，Relevant information of all borrowing students will also be entered into the personal m88 com live casino registerm88 best betting websitecredit system，And become an important factor to consider when handling credit business in the future。

6.3Consequences of student loan default

(1) Punishment for breach of contract: Failure to repay the loan principal on time as stipulated in the loan contract，Calculate penalty interest based on actual overdue amount and overdue days，The penalty interest rate is 130% of the normal borrowing rate。

(2) Punishment for breach of trust: in accordance with relevant national regulations，The Development Bank will respond to multiple overdue requests、Students who maliciously default on their loans should take the following measures:

①Load the defaulting student information and co-borrower information into the People's Bank of China personal credit system。Once the bad credit record is loaded into the personal credit system，Personal credit cards that will be directly restricted to students and co-borrowers、Buying a house、Application and use of almost all financial products related to financial institutions such as car loans;

②Load the defaulting student information into the graduate academic qualification inquiry system，And notify the defaulting student and the employment unit of the co-borrower。This will be beneficial to the employment of defaulting students，Participating in various social recruitment examinations and other activities will have a greater impact;

③Lenders with serious breach of contract will also bear relevant legal liabilities。

6.4Breach of contract case

Case 1:

In 2005, when Mr. Guo was in school, he applied for and received a student loan of 5,000 yuan from China Development Bank。He graduated in 2007 and went to work abroad，Taking a chance，He has been defaulting on student loan interest payments。Universities and CDB by phone、QQ group、Send a letter、Please ask students from his hometown to make a special visit and other methods to contact him。2010，Mr. Guo applied for a housing loan from a commercial bank and was rejected，The reason is that the credit information system shows that the interest on his student loan has been overdue for two years。So he quickly contacted the Development Bank and settled the principal and interest of the loan of 5,900 yuan in advance，Hope to eliminate bad records。However, the current "Credit Information Management Regulations" stipulate that the record will still be retained for five years，Any loan application Mr. Guo applies for in the past five years will be subject to stricter review，Need to provide more stringent proof of repayment ability and assets，Cannot enjoy any bank preferential measures。Mr. Guo regrets this，Indicates that he will take care of his own eyes in the future，Cherish your credit record。(Selected from "China Financial News" on March 3, 2011)

Case 2:

2007，A received a national student loan of 6,000 yuan from Commercial Bank A。After graduation in July 2008，Think that you are out of school，No one knows the repayment status of their national student loans in the new working environment，And his parents have also immigrated，Bank A has difficulty contacting himself and his family，Therefore，A has not paid off the principal and interest of the loan for one consecutive year，Have not contacted Bank A either。January 2009，A’s unit is preparing to send him to study and train in other places，A applies for a credit card for use while studying abroad。After A submits the application to the bank，I was told that A’s national student loan has a default record，The bank rejected his credit card application。A then learned that the personal credit reporting system has been put into operation nationwide，Recognize the importance of repaying the loan as promised。Subsequently，A immediately takes the initiative to contact Bank A，Settlement the defaulted loan principal and interest in full。(Selected from "Compilation of Application Cases of Credit Information System")

No.Part 7 Contact us

Official website of China Development Bank Head Office http://www.cdb.com.cn/

China Development Bank Student Loan Information Network http://www.csls.cdb.com.cn/

Student Online Service System—Student Loans from the Place of Originhttps://sls.cdb.com.cn/

Maintenance phone: (010) 88309834、88309963

Working hours: Monday to Friday 9:00-11:30 AM 13:30-17:30 pm

Alipay official websitehttp://www.alipay.com/

Appendix Summary of issues related to the use of Alipay

1.1 FAQ

1.1.1How to check my Alipay account?

(1) Log in to the China Development Bank student credit student loan online service system to query;

(2) When you forget the password of the Development Bank Student Online Service System，You can contact the County Student Financial Aid Management Center to reset your password。

1.1.2What is my Alipay login password?

The password for the Alipay account applied for in 2010 defaults to the remaining part of the student ID card number after removing the first 6 digits (for example, the ID number is: 110110199009011234，The password is: 199009011234)，The initial Alipay password for new applications in 2011 is printed on the loan acceptance certificate。If you have set a password，Please use the "Retrieve Password" function next to the login box to retrieve your login password。

1.1.3Why can’t I register my Alipay account?

Your Alipay account is a special loan account，The account opening will take approximately 3-5 working days to complete，Please check again after 3-5 working days。

1.1.4Can I modify the Alipay account of my student loan?

Your Alipay account is a special loan account，In order for your loan to be issued smoothly，Account cannot be modified。

1.1.5Why is it prompted that my account does not exist?

Student loan accounts are submitted to Alipay by China Development Bank for account opening，Required review before，Once approved by China Development Bank，Alipay will open an account immediately，You can contact Alipay for specific information。

1.2 certification related

1.2.1What is Alipay real-name authentication?

The "Alipay real-name authentication" service is an identity recognition service provided by Alipay (China) Network Technology Co., Ltd.。Alipay real-name authentication also verifies member identity information and bank account information。After passing Alipay real-name authentication，Equivalent to having an Internet ID card，You can open a store on many e-commerce websites such as Taobao、Items for sale，Increase the creditworthiness of Alipay account owners。

1.2.2What does it mean to authenticate by confirming the bank transfer amount?

Enter ID card information in Alipay according to the prompts、After bank card information，Alipay will deposit an amount of less than 1 yuan into the bank card you filled in within 1-2 working days，After you verify the amount received，Log in to Alipay website，Click to apply for certification，m88 online sports bettingm88 best betting websiteEnter the amount into the bank card numerically，If entered correctly，Identity information can pass the review，The certification is passed。

1.2.3Does the certified bank card require online banking?

Not required，As long as the ID card information and bank account name you fill in are the same person，You can apply for certification。But if you open online banking，It is more convenient to check the payment amount。

1.2.4When applying for certification，Remind me that I am under 18 years old，Authentication cannot continue，What to do?

If your ID card is younger than 18 years old, you cannot apply for Alipay real-name authentication，But you can go to the bank counter to sign a contract and activate the Alipay card，After activating the cartoon, you can perform some operations in the account，If the amount received can be withdrawn, etc.。

1.2.5I am authenticating，Prompt that my ID card already exists，What to do?

Your ID number may be a duplicate number，It is also possible that the authentication has been stolen，You need to cooperate with Alipay’s verification work，Only Alipay can tell you the specific solution，First of all, you need to provide a scanned copy of the original color version of your ID card and household registration certificate，To facilitate verification by Alipay。

1.3 loan disbursement

1.3.1Where are my student loans sent to?

The student loan is disbursed to the Alipay account designated by China Development Bank when it signs the contract with you。

1.3.2How to pay tuition?

You don’t have to pay the tuition fee yourself，The system will automatically deduct from your Alipay account according to the entrustment of China Development Bank。

1.4 withdrawal related

1.4.1What is cash withdrawal? Are there any fees for withdrawal?

Withdrawal refers to withdrawing money from Alipay account to bank account。If you want to withdraw this fund to a bank card，You need to log in to Alipay for real-name authentication。Withdrawal is temporarily free of charge。

Banks supporting ordinary personal cash withdrawals include: Industrial and Commercial Bank of China、China Construction Bank、Agricultural Bank of China、Industrial Bank、Bank of Communications、Minsheng Bank、Industrial Bank、Shanghai Pudong Development Bank、Guangdong Development Bank、Shenzhen Development Bank、Bank of China、CITIC Bank、China Everbright Bank，Total 13 banks，You can choose according to your actual situation。

1.5 repayment related

1.5.1How to repay student loans?

Alipay will notify you via SMS 5 days in advance to recharge your Alipay account according to the deduction date specified by the China Development Bank，It is recommended that you update the mobile phone number bound to Alipay in time。You are before the repayment date，Available through online banking、Alipay cartoon、Recharge at outlets、Recharge the repayment funds to your Alipay account through consumption card recharge or other methods (see 4.3 Alipay Account Recharge for details)，China Development Bank will entrust Alipay to deduct the corresponding funds from your Alipay account on the deduction date and transfer them to China Development Bank。

1.5.2Does it require certification to repay student loans using an Alipay account?

You are before the repayment date，The funds to be repaid need to be recharged into your Alipay account，Using Alipay to repay student loans does not require certification。

1.5.3 Do I need to log in to the online system to apply to repay the due (overdue) principal and interest of the loan?

No application is required to repay the due (overdue) principal and interest of the loan，Just recharge your Alipay account directly，Alipay will automatically deduct money regularly，You must log in to the online system to apply for early repayment。

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