Based on the materials, what aspects should a complete set of microfinance technology include?
Approval system, business system, accounting system, and collection system.
The microfinance management system is a system developed specifically to solve the business management needs of microfinance companies. It is specially designed for microfinance companies from loan acceptance to loan settlement, risk control to customer service. A business management system developed to handle expenses approval, transaction records, financial settlement, contract management, salesperson assessment, process management and other matters that occur during the process.
What needs to be done after signing the loan contract for the student’s place of origin?
After signing the contract, print the loan acceptance certificate and give it to the student. The student will report to the university with the loan contract and loan acceptance certificate, and ask the teacher of the university financial aid center to log in to the loan management system of the student's place of origin to enter the student's receipt and verification code. Some schools enter the verification code online, which is determined by the specific requirements of the specific school.
When applying for a student loan in the student’s place of origin, you need to go through the following procedures:
Log in to the official website of the China Development Bank, enter the student loan system in the student’s place of origin, fill out the loan application form, and Print it out;
Go to the student aid center of the local education bureau to sign a loan contract with *** and the borrower, bringing your ID card, school certificate, application form and other materials;
Bring the loan acceptance certificate and loan contract from the local education student aid center to report to the university;
Ask the teacher of the school's financial aid center to log in to the loan management system of the student's place of origin and enter the verification code and student receipt.
It is not difficult to see from the above content that after signing the student loan contract for the student’s place of origin, you still need to go through some procedures.
(1) Loan certification materials
1. Freshmen who entered school in 2009 and students in the province or city of colleges and universities in the province or city that have opened student loans in their place of origin, and their families The qualification identification of students with financial difficulties has been completed in advance by the local education authorities. Students who pass the pre-application review must provide proof from the graduating middle school or college of the province or city that has opened a credit student loan in the student's place of origin.
2. Students who are enrolled in colleges and universities outside the province or city where the students are from have already opened student loans. Students who are enrolled in the province or city where the students are from are required to issue a loan certificate from the university where they are located.
(2) Identity proof materials
1. The original and copy of the ID card and household registration book of the student and the borrower (the guardian can also have a military ID or armed police ID) Valid ID);
2. Admission notice or student ID card. Freshmen should present the original and copy of their admission notice, and current students should present the original and copy of their student ID cards; application procedures. Borrowers applying for loans should apply to the Student Financial Aid Management Center of the Education Bureau of the county (city, district) where their family registered residence (hereinafter referred to as "county-level financial aid"). Center") submit a loan application, fill out the loan application form, and provide the following materials:
1. The original and copy of the household registration book (family register) of the student who borrowed the loan and *** the same borrower;
2. Original and copy of the ID card (or valid identity certificate) of the student who borrowed the loan and *** and the borrower;
3. Proof of student status. Freshmen should present the admission notice from the university and its copy; current students should present the "Student ID Card" and the "Certificate of Origin of Credit Student Loan Borrower" issued by the university where the student is borrowing. Signing of the contract ① The local financial aid center reviews the application materials → ② The local financial aid center guides the borrowing students to open a personal account at the handling bank → ③ Signs the "Credit Student Loan Contract for the Student's Place of Origin" → ④ The local financial aid center issues the "Credit Student Loan for the Student's Place of Origin" Loan Contract Receipt Form". Contract receipt ① The borrowing student brings the contract receipt to the school → ② The school handles the procedures according to the contract receipt requirements → ③ The student himself sends the contract receipt back to the county-level financial aid center where the student is located → ④ The local financial aid center prepares a summary form and reports it to the Provincial Student Financial Aid Management Center → ⑤ The Provincial Funding Management Center shall submit the application to the handling bank for approval. Loan disbursement ① The handling bank transfers the loan funds to the personal account of the borrowing student → ②
Operation Instruction Manual of China Development Bank’s student loan system for students’ origin
China Development Bank’s student’s student loan system Loan funds are mainly used for students to pay tuition and accommodation fees during their studies. Student credit-based student loans are an important part of national student loans. It may be unfamiliar to students who are new to the student loan system. In order to facilitate everyone to fully understand the operating procedures of the student loan system, we have integrated relevant information for your reference.
Article introduction:
Register and log in to the National Development Bank student loan system
Online application for the National Development Bank student loan system
< p>National Development Bank Student Origin Student Loan ProcessText:
National Development Bank Student Origin Student Loan System Registration and Login
The URL is or the URL is as follows It prompts that there is a problem with the security certificate of this website. Please ignore it and select "Continue browsing this website". This is for newly admitted students and college students who have not applied for loans before.
1. Click on the login website and select "Student Loans from the Place of Origin" in Please select your loan type.
2. Click "Register".
3. In the terms of the registered user agreement, click "Agree".
4. Enter your name (no spaces in the middle), 18-digit real and valid ID number, and select the financial aid center where the loan is processed: Henan Province-Xuchang City-Changge City Student Financial Aid Management Center.
5. Enter "Graduation Middle School". For example: Changge No. 2 Senior High School
6. Enter your schooling information, click "Select College" after "College Name", enter the name of the school you attend, click "Search", and click "Select" in front of the college you attend. button and click "OK". Enter the "Department Name", "Professional Name", select "Professional Category", and enter the student number, year of enrollment, academic system, and academic qualifications. (Note: 1. The name of the university, the name of the department, and the name of the major must be filled in strictly according to the content of the notice; 2. The student number of newly admitted students does not need to be filled in; 3. The year of admission is the time of admission to the university, that is, the time of entering 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 them after registration. Security information is used to retrieve passwords and protect personal information, so be sure to fill it out).
8. Enter "Personal Information", "Communication Information", "Family Information" and "Contact Information" in order. Try to fill in the above information as completely as possible to avoid affecting the loan approval. After filling in all the information, click "Submit" ". If the student loan approval is rejected due to incomplete information, it is the student's own responsibility (Note: The contact person should be a third-party contact person, which can be the student's relatives and friends, former middle school teachers, village committees or community cadres who are familiar with the loan) The student's personnel cannot be the same as the parents and *** of the borrower).
9. The page will pop up prompting "Registration Successful", click "Return", and log in using the login name and password you just registered.
10. After logging in to the system, the above-mentioned "personal information", "school information" and other information can be modified. After modification, click Submit. Leave the employment information blank now and complete it after you find a job after graduation.
Online Application for Student Loans from China Development Bank
1. Click "Loan Application" in the selection column on the left, click "Add", select "Loan Amount", " Enter the "Loan Period" and "Loan Application Reason" in sequence into the "Loan Reason Description".
Note: a. In principle, the loan amount applied for should be "tuition fee" or "tuition fee and accommodation fee", but not more than 6,000 yuan. It must be an integer multiple of "100" and greater than 3,000 yuan. It is recommended that the loan be 6,000 yuan. Yuan or 5,000 yuan;
2. The maximum loan period is 14 years. The specific calculation method: freshmen = academic length 10 (if the calculation result is greater than 14, fill in 14); college students = academic length - years of study 10 ( If the calculation result is greater than 14, fill in 14). It is recommended to choose the longest loan period, or choose the corresponding period based on your repayment ability two years after graduation.
3. "Loan Certificate Issuing Unit" (choose one from village committee, graduating high school, or township civil affairs department), "Issue Date", "Contact Person" (fill in 2 contact persons), " Contact number" (fill in two contact numbers, separated by "-"). You can also fill in the application form after exporting it, printing it, and signing and stamping it with the certification unit.
4. Enter the information of *** the same borrower (students renewing their loans can select the original *** the same borrower in the drop-down box, or they can choose to add a new one to add a new *** borrower , new loan students directly choose to add *** the same borrower, and the *** same borrower must be the student’s parents or immediate relatives).
5. For account information, select "Alipay" for the settlement agency (Note: After the loan application is accepted, the system will automatically generate the Alipay account when entering the contract information and print it on the contract. You can know your Alipay number on the website. For Alipay operations, please refer to the website instructions. The initial password of the Alipay account generated when you apply for a loan for the first time is printed on the loan acceptance certificate. Please modify it in time and remember it after logging in. This Alipay account is a special account for credit student loans. , deducted uniformly by Alipay and used exclusively for loan issuance and repayment. It cannot be used for other transfer payments. If there is any balance, it can only be withdrawn through the "cash withdrawal" function).
6. Click "Submit" and the system will pop up a prompt indicating that the application has been successfully submitted. After clicking "Return", click "Select" to select the listed application form, then click "Export Application Form" and save it as After documenting in Word, print the application form directly (in duplicate). (The application form must be filled out in the system and then exported from the system. It is not allowed to be filled in by hand, nor is it allowed to export the blank form and edit it yourself)
7. Students take the application form to the village committee (village committee, The graduating high school, the township civil affairs department (choose one of the three departments) and other departments will stamp the official seal.
8. Students should go to the financial aid center for on-site confirmation with the application form and a valid poverty certificate that meets the loan conditions, the loan contract for the previous school year (for students renewing the loan) or other required certificates for on-site confirmation. Applicants will be subject to a loan knowledge assessment and qualification review. After passing the qualification review, a loan contract will be signed.
9. Students bring the loan contract and loan acceptance certificate to the school to apply for a receipt, and the university will enter the electronic receipt.
10. The county-level financial aid center will send the student loan contract and other materials to the Henan Branch of the National Development Bank for approval.
11. After approval by the China 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's receipt.
The process of the China Development Bank’s student credit student loan is as follows:
(1) Online application
Students log in to the China Development Bank’s student credit student loan Student online system (website registration and submission of loan application. After online application, the "China Development Bank Student Origin Credit Student Loan Application Form" (referred to as "Application Form") is generated, exported and printed.
(2) Determination of Financial Difficulty Eligibility
First-time loan students should take the application form to the township (subdistrict) civil affairs department to confirm the family's financial difficulty. Fill in the review opinions at the location, stamp with the official seal, fill in the date, signature of the person in charge and leave the contact number
(3) On-site acceptance
Present: the student and *** are the same borrower. Original ID card, original admission notice (original student ID card for current students), original household registration book;
Submit: original "Application Form" signed by the student and certified, copies of both parties' ID cards, One copy of the admission notice (or student ID card)
(4) Account opening
China Development Bank entrusts the third-party payment platform Alipay as a credit student loan. The agency is entrusted with the issuance and recovery of loan funds. The National Development Bank entrusts Alipay to open Alipay accounts for borrowing students.
(5) Sign the contract
County (city, city, etc.) The staff of the Student Financial Aid Management Department of the District) Education Bureau will conduct a preliminary review of the materials submitted by the students. Those who pass the review will sign the "National Development Bank Student Origin Credit Student Loan Loan Contract" with the student borrower and *** and the borrower, and issue a " The National Development Bank Student Origin Credit Student Loan Acceptance Certificate (hereinafter referred to as the "Acceptance Certificate") shall be submitted to the borrower and *** the same borrower together with the contract text.
(6) College Entry Contract Receipt< /p>
The student who borrowed the loan reported to the school with the acceptance certificate. The person in charge of the school’s student financial aid management department logged into the Development Bank’s student loan management system and entered the electronic contract receipt. If the electronic contract receipt was not entered after the due date, the loan application was automatically canceled according to the loan contract. .
(7) Loan disbursement and payment
After the contract is approved by the China Development Bank, the loan amount will be transferred by the China Development Bank through the third-party payment platform Alipay. Loan funds are disbursed to the student's personal Alipay account.
The third-party payment platform will transfer the corresponding loan funds to the account of the borrowing student's school according to the amount of unpaid fees stated in the contract receipt, and will be used to pay the tuition and accommodation fees of the borrowing student while studying in the university; the remaining part of the loan funds will remain with the borrowing student. In Alipay personal accounts, borrowing students can withdraw cash after completing real-name authentication.
1. Early repayment of the China Development Bank student loan in the student’s place of origin:
1. Submit an application: You can log in to the student online service system to submit an application from January to October each year, or contact the county The funding center applies on your behalf.
2. Log in to the student online service system to check the amount of early repayment, and apply to deposit the funds into the Alipay-related account on the 15th of the month.
3. Check the repayment status.
2. On-time repayment of the China Development Bank’s student loan for students’ origin:
1. Submit an application: December 20 of each year is the fixed repayment date. Alipay real-name authentication.
2. Log in to the student online service system to inquire about the early repayment plan, or contact the county financial aid center to inquire about the early repayment plan.
3. Deposit amount on December 15th.
4. Check the repayment status.
3. Overdue repayment of the China Development Bank’s student loan in the student’s place of origin:
Repayment date: January to October and December of each year on the 20th of each month. The overdue penalty interest is 130% of the expected annual interest rate for the current period. You can repay according to the "reminders" of CDB and the County Funding Center.
Opening Alipay to repay the China Development Bank’s student loan is the most convenient way to repay. I hope the above content can provide some help to all college students. More about the China Development Bank’s student loan consultation Please pay attention to the housing agency.
Who manages the provident fund loan contract number
The provident fund loan contract number is managed by the provident fund management center. The provident fund loan contract number is a set of customized numbers. Generally, when applying for a loan, the provident fund loan contract number is managed by the provident fund management center. The management center system will automatically generate a set of customized sequence numbers. This set of numbers is mainly used for post-review, query, loan file viewing and other services, and is mainly used to ensure the effective storage of loan information.