Recently，Agree with the State Council，The Ministry of Education and other four departments issued the "Notice on Adjusting 188bet review and Improved Related to Studying Loans" (Jiao Cai [2023] No. 4，The following referred to as "Notice")。The person in charge of the Finance Department of the Ministry of Education answered questions from reporters on the question related to the "Notice"。
1. What is the background of the "Notice"?
Answer: Party Central Committee、The State Council attaches great importance to students 'economic difficulties for students' schooling。General Secretary Xi Jinping emphasized，Education fairness is an important foundation for social fairness，It is necessary to continuously promote the results of education development more fairly and benefit all the people，Promote social fairness and justice with education equity。The 20th National Congress of the Communist Party of China clearly proposes "Improve the All -Academy Student Support System"。
State -aid loan is an important measure to improve the policy system of the general university funding policy system in my country，Funding targets full -time college students and graduate students with financial difficulties provided by the family's financial difficulties，Help students solve the cost of learning and living during school。This policy has been continuously improved since 1999。As of the end of 2022，The country's cumulative issuance of more than 400 billion 188bet online sports betting yuan for student loans，benefit more than 20 million students，strongly supported students with financial difficulties to complete their studies，Promoting education fairness。But with the development of the economy and society，Tuition fees、Basic living expenses, etc., have increased in learning costs, etc.，Economic pressure and loan demand for students and their families increase，You need to further release the dividend of school aid loan policy，better meet the needs of student loans、Reduce students' repayment pressure，Help students complete their studies、Better employment。
2. What are the main contents of the adjustment and improvement of this student loan policy?
Answer: It mainly involves three aspects: First, increase the maximum loan amount per student per year per student of national student loan，This college student has increased from no more than 12,000 yuan to no more than 16,000 yuan，Graduate students have increased from no more than 16,000 yuan to no more than 20,000 yuan。At the same time，Considering policy connection，Calculation of students 'tuition fees for students' high school colleges and universities accordingly、Standard loan compensation and tuition reduction standards for tuition fees and tuition reduction standards, and grass -roots 188bet review employment tuition compensation、Standard loan compensation standard for tuition fees。Second, reduce the national student loan interest rate of 30 basis points，A minus 30 basis points from the loan market quotation rate (LPR) of the same time during the same period，Adjustment to 60 basis points。Third is to carry out business loan work of graduate students，Effectively reduce the economic burden of graduate students，Encourage banking financial institutions to develop and improve convenient procedures、Risk -controllable graduate credit student loan products，And loan quota、Interest rate、Duration、Give a certain discount for repayment methods。
3. Universities in various places are currently starting schools，Many students have applied for a national student loan，Can these students apply to increase the amount of student loan in accordance with the new policy application?
Answer: Students who have already applied for national student loans can also enjoy new policies。Students who apply for loans after the new policy is introduced，You can handle loans directly in accordance with the latest policy;，Students who have submitted a loan application or signed a loan contract in 2023，can be according to actual needs，In the new quota range, apply to the State -Aid Loan Bank for increasing the loan amount。
188bet mobile app android 4. What are the main considerations to reduce the interest rate of national student loan? Can the student loan contract of existing countries be implemented according to the new interest rate?
Answer: In order to reduce the economic burden on loan students，Agree with the State Council，Loan students who graduated from 2022 and previous year, the interest of the state -aid loan (which should be repaid in 2022 to be exempted，For the principal of a national student loan principal that these students should pay back within 2022，Application of students with loan students，Can be extended for 1 year repay，Delayed loans without penalty and compound interest。This policy was continued in 2023。To further reduce the economic burden of loan students，This "Notice" clearly reduces the interest rate of national school aid loan。
The national student loan contract of reference LPR that has been signed before can be executed at the new interest rate，Specific negotiation by the undertaking bank and loan students，The original contract interest rate can be adjusted to 60 basis points for LPR。
5. What are the main considerations for carrying out business -like loans of graduate students? Can graduate business -like loans enjoy discounts and risk compensation policies?
Answer: Current，State student loan issuance 188bet mobile app android object is students with financial difficulties。Most of the students at the graduate stage are adults，It can support it to solve the learning fee by applying for a commercial aid loan，Encourage students to support themselves。
Graduate Business Aid loans are commercial loans，Do not enjoy national student loan discount and risk compensation policy。Encourage banking financial institutions to develop and improve convenient procedures、Risk -controllable graduate credit student loan products，And loan quota、Interest rate、Duration、Give a certain discount for repayment methods。
6. How to ensure that the requirements of the "Notice" are implemented?
Answer: To ensure the effective implementation of the new policy，We will be with the Ministry of Finance、People's Bank of China、The State Administration of Finance Supervision and other departments focuses on three aspects: First, increase policy propaganda，Through mainstream media、Hotline phone、SMS and other channels，Carry out comprehensive publicity to students，Improve policy awareness。The second is to do a good job of handling the new semester of student loans，Urges the Bank of Economic Affairs Bank to handle a student loan or adjust the proceeded student loan in accordance with the new policy，Let loan students enjoy the dividends of the new policy as soon as possible。Third is to carry out business training for students from all universities and universities in various places，Detailed interpretation 188bet mobile app android policy content，Clear policy caliber，Ensure that policy enforcement specifications are in place。
