Notice of the General Office of Shanghai Municipal People’s Government on Transmitting the “Implementation Suggestions of

上海市人民政府办公厅转发市教委等六部门关于本市贯彻国务院办公厅转发教育部、财政部、人民银行、银监会关于进一步完善国家助学贷款工作若干意见的通知的实施意见的通知

 

Promulgating Institution: Shanghai Municipal People's Government

Document Number: Hu Fu Ban Fa [2004] No. 65

Promulgating Date: 12/01/2004

Effective Date: 12/01/2004

颁布机关: 上海市人民政府办公厅

文      号: 沪府办发[2004]65号

颁布时间: 12/01/2004

实施时间: 12/01/2004

 

Attention: all District and County People's Governments, and all relevant Commissions, Offices and Bureaus (Administrations) of the Municipal People's Government:

    各区、县人民政府,市政府各委、办、局:

The "Implementation Suggestions on Carrying out in this Municipality the 'Notice of the General Office of the State Council on Transmitting Suggestions of the Ministry of Education, the Ministry of Finance, the People's Bank of China and the Banking Regulatory Commission on Further Perfecting the Work of Granting State Student Loans'" made by the Shanghai Education Commission, the Shanghai Finance Bureau, the Shanghai Branch of the People's Bank of China, the Shanghai Banking Regulatory Administration, the Shanghai Finance Office and the Shanghai Informatization Commission have been approved by the Municipal People's Government. We hereby transmit them to you and request you to implement them conscientiously.

    市教委、市财政局、人行上海分行、上海银监局、市金融办、市信息委《关于本市贯彻〈国务院办公厅转发教育部、财政部、人民银行、银监会关于进一步完善国家助学贷款工作若干意见的通知〉的实施意见》已经市政府同意,现转发给你们,请认真按照执行。 

December 1, 2004

    二00四年十二月一日 

Implementation Suggestions on Carrying out in this Municipality the "Notice of the General Office of the State Council on Transmitting 'Suggestions of the Ministry of Education, the Ministry of Finance, the People's Bank of China and the Banking Regulatory Commission on Further Perfecting the Work Granting State to Student Loans'"

关于本市贯彻《国务院办公厅转发教育部、财政部、人民银行、银监会关于进一步完善国家助学贷款工作若干意见的通知》的实施意见 

In accordance with the requirements of the "Notice of the General Office of the State Council on Transmitting 'Suggestions of the Ministry of Education, the Ministry of Finance, the People's Bank of China and the Banking Regulatory Commission on Further Perfecting the Work of Granting State Student Loans'" (SCGO [2004] No.51) and in the light of the actual conditions, the following implementation suggestions for this Municipality are hereby put forward:

    根据《国务院办公厅转发教育部、财政部、人民银行、银监会关于进一步完善国家助学贷款工作若干意见的通知》(国办发〔2004〕51号)的要求,结合实际,现提出本市的贯彻意见如下:

1. Reach a common understanding, strengthen coordination and continually perfect policies of Shanghai ordinary institutions of higher learning on state student loans 

(1) Deepen ideological understanding

Granting state student loans is a major measure of the Party Central Committee and the State Council under the condition of a socialist market economy to perfect by financial means the policy system of financial aid from ordinary institutions of higher learning in our country and a powerful guarantee for developing education, training up talents and realizing the goal of building up our nation through the development of science, technology and education. All relevant units in this Municipality shall, from the political perspective, fully recognize the importance of the State policy on student loans, strengthen coordination and make joint efforts to do a good job of relevant work.

(2) Adhere to the principle of "providing easy access to loans and taking precautions against risks"

Further rationalize the economic relationships among banks, institutions of higher learning and students, strengthen the management system of state student loans, reinforce the management functions and responsibilities of institutions of higher learning and banks, perfect the binding mechanisms for loan repayment and the mechanisms for risk prevention, and ensure the steady and healthy development of state student loans.

(3) Reform the current mode of subsidization of interest by public finance

Starting from the autumn of 2004, change the past practice of granting financial subsidies amounting to 50 per cent of the student loan interest during the whole loan contract term, and introduce the method of subsidization by public finance of the full amount of loan interest accrued to the borrowing student during the period of his or her schooling and payment in full by the student himself or herself upon graduation. The borrowing student shall begin to pay interest upon graduation. (See Annex 1 for details of the procedure)

As to students who entered into loan contracts before the above specified time, the procedures on loan granting, interest subsidies and loan repayment as provided by the original regulations shall continue to apply. 

(4) Extend the term of loan repayment

Change the current practice whereby a student begins to repay the loan principal from the date of graduation and pays it off within four years, and introduce the practice whereby a borrowing student begins to make loan repayment one or two years after graduation and pays off the loan within six years, depending on his or her employment status. When performing graduation formalities or formalities for termination of studies, a borrowing student shall confirm his or her loan repayment schedule to the bank handling state student loans, and the repayment term shall be determined between the creditor and the debtor through consultations. A borrowing student who continues to study for a degree shall provide the handling bank in a timely manner with a written certificate of his or her continuation of studies for a degree, and the finance department shall continue to grant interest subsidies to him or her as a enrolled student. A borrowing student may, within one year after graduation or termination of studies, apply for once to the bank for adjustment to his or her repayment schedule, and the handling bank shall accept the application and make appropriate adjustments, taking into consideration the actual circumstances and in accordance with applicable regulations. Repayment of loan principal and interest may take a variety of forms, including early repayment in a lump sum or in installments. In case of early repayment, the handling bank shall calculate interest on the basis of the actual life of the loan and no extra fees other than payable interest may be charged.

(5) Introduce the method of inviting public bids from handling banks

On the basis of cooperation between banks and schools over the past few years, public bidding may be conducted by adopting the mode of "grouping of several schools" or "depositor-and-creditor cooperation" to determine the handling bank for state student loans from Shanghai-based ordinary institutions of higher learning (including ordinary vocational colleges, the same below).

In 2004, Shanghai local ordinary institutions of higher learning may, in the light of their experience in previous bank-and-school cooperation, entrust the Shanghai Student Loan Management Center (represented by the Financial Settlement Management Center of the Shanghai Education Commission during its preparation period) to determine the handling bank for state students loans through public bidding. Once the handling bank is determined, the Shanghai Student Loan Management Center shall enter into a legally binding loan cooperation agreement with the bank.

The handling bank shall, in a timely manner, place the full amount of state student loans and provide related services as stipulated in the agreement; it shall streamline the loan procedure, draw up a uniform loan contract text, standardize the cycle of processing loans and furnish ordinary institutions of higher learning with timely information on loan repayment by their students. The Shanghai Student Loan Management Center shall, in a timely manner, pay the full amount of risk compensation funds as stipulated in the agreement; each institution of higher learning shall provide the risk compensation funds as stipulated in the agreement and cooperate with the bank in demanding repayment so as to minimize financial risks.

(6) Set quotas for loans to be granted.

The total amount of loans for each school per year shall in principle be determined by applying the standard rate of 6,000 yuan per person each year to the proportion of 10 –20 per cent of the total number of enrolled junior and regular college students (including vocational college students, the same below), post-graduates and second bachelor-degree students of full-time ordinary institutions of higher learning. The specific quota of loans for each ordinary institution of higher learning shall be separately set and issued by the functional department for student loan management under the Municipal Education Commission in the light of the actual conditions of needy students and the extent of breach of loan repayment contracts by borrowing students in each ordinary institution of higher learning.

       一、统一认识、加强协调,不断完善上海普通高校国家助学贷款政策

    (一)提高思想认识。

    国家助学贷款是党中央、国务院在社会主义市场经济条件下,利用金融手段完善我国普通高校资助政策体系的一项重大措施,是发展教育,培养人才,实现科教兴国的有力保证。本市各相关单位要从政治的高度,充分认识国家助学贷款政策的重要意义,加强协调,共同努力,做好有关工作。

    (二)坚持"方便贷款,防范风险"原则。

    要进一步理顺银行、高校、学生之间的经济关系,健全国家助学贷款管理体制,强化高校和银行的管理职责,完善还贷约束机制和风险防范机制,确保国家助学贷款工作持续健康发展。

    (三)改革目前财政贴息方式。

    从2004年秋季开始,改变以往在整个贷款合同期间,对学生贷款利息给予50%财政补贴的做法;实行借款学生在校期间的贷款利息全部由财政补贴,毕业后全部自付的办法。借款学生自毕业后,开始计付利息。(具体办法见附件1)

    此前已签订贷款合同学生的贷款发放、贴息、还款等办法,继续按原规定执行。

    (四)延长还贷年限。

    改变目前自学生毕业之日起即开始偿还贷款本金、4年内还清的做法,实行借款学生毕业后视就业情况,在1至2年后开始还贷,6年内还清的做法。借款学生办理毕业或终止学业手续时,应当与国家助学贷款经办银行确认还款计划,还款期限由借贷双方协商确定。若借款学生继续攻读学位,要及时向经办银行提供继续攻读学位的书面证明,财政部门继续按在校学生实施贴息。借款学生毕业或终止学业后1年内,可以向银行提出一次调整还款计划的申请,经办银行应予受理并根据实际情况和有关规定进行合理调整。贷款还本付息可以采取多种方式,可以一次或分次提前还贷。提前还贷的,经办银行要按贷款实际期限计算利息,不得加收除应付利息之外的其他任何费用。

    (五)实施经办银行公开招标办法。

    在前几年银校合作的基础上,采取"多校组合"或"存贷合作"的方式实施公开招标,确定上海普通高校(含普通高职院校,下同)国家助学贷款经办银行。

    2004年上海地方普通高校可根据以往银校合作情况,委托上海市学生贷款管理中心(筹建时由上海市教委财务结算管理中心代理)通过招标方式确定国家助学贷款经办银行。经办银行一经确定,由上海市学生贷款管理中心与银行签订具有法律效力的贷款合作协议。

    经办银行要按照协议约定,及时足额地发放国家助学贷款并提供相关服务;简化贷款程序,制定统一的贷款合同文本,规范办理贷款的周期;及时向普通高校提供学生还款情况。上海市学生贷款管理中心要按协议约定及时足额支付风险补偿资金;各高校要按协议约定承担风险补偿资金,并配合银行做好催收还款工作,努力降低金融风险。

    (六)实行定额放贷办法。

    每年每校的贷款总额,原则按全日制普通高校本专科学生(含高职学生,下同)、研究生以及第二学士学位在校生总数10%-20%的比例、每人每年6000元的标准计算确定。各普通高校的具体贷款额度,由市教委学贷管理职能部门根据各普通高校贫困生实际和借款学生还款违约等情况,分别确定下达。

2. Establish and perfect the mechanisms for the prevention of and compensation for loan repayment risks 

(1) Establish binding mechanisms for students to repay loans 

The Shanghai Joint Personal Credit Information Collecting System, all handling banks of state student loans, the Shanghai Student Loan Management Agency and all ordinary institutions of higher learning shall assume their respective responsibility and jointly establish binding mechanisms for loan repayment.

The Shanghai Joint Personal Credit Information Collecting System shall play an active role by collecting and sorting out timely information related to state student loans.

All handling banks shall establish an effective repayment monitoring system and do a good job of related work. They shall actively carry on publicity work on loan repayment among borrowing students, explain to them repayment procedures and mode; perform in a timely manner repayment confirmation formalities for borrowing students; strengthen the routine work of demanding repayment and keep a proper record of repayment calls; with regard to students who fail to repay state student loans in accordance with the term and amount stipulated in the agreement, the handling bank may charge penalty interest on the overdue loan amount and put their acts of non-performance on record in The Shanghai Joint Personal Credit Information Collecting System, and financial institutions may not provide new loans or other credit services for them; and the handling bank shall periodically provide the names, citizen ID numbers, graduation schools and acts of non-performance of the borrowing students who have continually defaulted in repaying loans for over one year and have never contacted the handling bank on their own initiative to state student loan management centers all over the country or the Shanghai State Student Loan Management Center, depending on their administrative jurisdiction. 

All ordinary institutions of higher learning shall keep on perfecting the building of student good faith files, strengthen post-loan management of students and furnish timely information on loanee students to the state student loan management departments under the Municipal Education Commission and the handling bank. The student loan management departments at the municipal and school levels shall join The Shanghai Joint Personal Credit Information Collecting System in setting up a mechanism for student credit information exchange, keep on perfecting the management of information on loanee students, call on and encourage college students to take the initiative in producing their personal "student credit files" to their prospective employers for their reference when seeking employment or accepting offers of employment. The municipal public security departments shall take effective actions to ensure the success of the issuance of second-generation resident IDs for ordinary college students and cooperate with the handling banks in checking the identity of the defaulting students.

(2) Establish risk compensation mechanisms for state student loans in this Municipality.

Risk compensation mechanisms for state student loans shall be established in line with the principle of "risk sharing", so as to encourage banks to provide state student loan services.

The municipal finance departments and ordinary institutions of higher learning in this Municipality shall set up special-purpose funds for state student loan risk compensation, amounting to a specified proportion of the total loans granted in the current year, so as to provide appropriate compensations to the handling bank, and the specific proportion shall be determined during the bidding process. The municipal finance departments and ordinary institutions of higher learning shall respectively bear 50 per cent of the special-purpose fund for risk compensation for state student loans extended by Shanghai local institutions of higher learning and the Shanghai Student Loan Management Center shall be responsible for the management thereof. (See Annex 2 for details of the procedure).

       二、建立和完善贷款偿还风险防范补偿机制

    (一)建立学生还款约束机制。

    上海市个人信用联合征信系统、国家助学贷款各经办银行、上海市学生贷款管理机构、各普通高校要各负其责,共同建立还款约束机制。

    上海市个人信用联合征信系统要发挥积极作用,及时收集并整理国家助学贷款相关信息。

    各经办银行要建立有效的还款监测系统,并做好相关工作。对借款学生积极开展还贷宣传工作,讲解还贷的程序和方式;及时为贷款学生办理还贷确认手续;加强日常还贷催收工作并做好催收记录;对没有按照协议约定的期限、数额归还国家助学贷款的学生,经办银行可对其违约贷款金额计收罚息,并将其违约行为载入上海市个人信用联合征信系统,金融机构不再为其办理新的贷款和其他授信业务;按期将连续拖欠贷款超过一年且不与经办银行主动联系的借款学生姓名及公民身份证号码、毕业学校、违约行为等,按隶属关系分别提供给全国或上海市国家助学贷款管理中心。

    各普通高校要不断完善学生诚信档案建设,强化对学生的贷后管理,及时向市教委国家助学贷款管理部门和经办银行提供贷款学生信息。市、校两级学贷管理部门要与上海市个人信用联合征信系统共同建立学生信用信息交流机制,并不断完善对贷款学生的信息管理,提倡并鼓励大学生在就业、应聘等过程中,主动向用人单位出示其个人的《学生信用档案》,供用人单位参考。市公安部门要积极做好为普通高校学生换发第二代居民身份证的工作,配合经办银行搞好对违约学生的身份核查。

    (二)建立本市国家助学贷款风险补偿机制。

    为鼓励银行积极开展国家助学贷款业务,按照"风险分担"原则,建立本市国家助学贷款风险补偿机制。

    市财政和本市各普通高校要按照贷款当年发生额的一定比例,建立国家助学贷款风险补偿专项资金,给予经办银行适当补偿,具体比例在招标时确定。上海地方高校国家助学贷款风险补偿专项资金,由市财政和普通高校各承担50%,由上海市学生贷款管理中心负责管理。(具体办法见附件2)

3. Earnestly strengthen the leadership, management and supervision of state student loan work.  

(1) Reorganize the coordinating group of Shanghai Municipality for state student loan work.

The coordinating group, headed by the deputy-secretary general of the Municipal People's Government in charge of the work, with membership from the Municipal Education Commission, the Municipal Finance Bureau, the Municipal Finance Office, the Shanghai Branch of the People's Bank of China, the Shanghai Banking Regulatory Administration, the Municipal Informatization Commission, the Municipal Public Security Bureau and other departments, shall study and solve problems that arise in the process of implementation of state student loans by institutions of higher learning in Shanghai.

(2) Strengthen state student loan management agencies in this Municipality, further intensify and improve management.

The Municipal Education Commission shall step up the building of state student loan management agencies, prepare for the establishment of the Shanghai Student Loan Management Center, assign and appoint appropriate working personnel to it and guarantee necessary working funds.

The Shanghai State Student Loan Management Agency has the following functions:

1. Organize and plan for the implementation of state student loans by ordinary institutions of higher learning in Shanghai;

2. Determine through bidding the handling bank for state student loans from ordinary institutions of higher learning under municipal administration in Shanghai, enter into a loan cooperation agreement with the handling bank and do a good job of management work in every aspect in strict accordance with the stipulations of the agreement;

3. Exercise unified control over the funds for state student loan interest-subsidization allocated by the municipal finance department and the special-purpose funds for risk compensation for state student loans from ordinary institutions of higher learning under the jurisdiction of Shanghai set up in accordance with these Suggestions;

4. Establish and perfect the state student loan information management system and the statistical monitoring system; 

5. Publish on a regular basis through the news media related information on defaulting borrowers provided by the handling bank; and

6. Report related information and submit relevant statements on a regular basis to the state student loan work coordinating group of this Municipality.   

All ordinary institutions of higher learning shall strengthen the management of state student loans. A special working agency shall be set up, in the direct charge of a school leader. In principle, full-time working personnel shall be assigned and appointed to it from the current established posts, in the ratio of 1:2500 of the number of enrolled full-time ordinary junior and regular college students and postgraduates. Detailed rules on state student loan management functions and duties shall be formulated and reported to the national and municipal-level student loan management centers that have administrative jurisdiction for filing. It is imperative to foster students' awareness of honesty and credibility, establish students' credit files, draw up practical and effective measures and urge borrowing students to repay loan principal and interests in a timely manner, so as to reduce the risks of state student loans. When borrowing students graduate, relevant departments of the school shall arrange for them to go through the repayment confirmation process with the handling bank before performing their graduation formalities and then put information on their loans in their personal files; the said departments shall take the initiative in cooperating with the handling bank in demanding repayment of loans and undertake to provide the handling bank within one year with the valid contact addresses of the first employers of the borrowing students, or, in the case of those borrowing students who have not yet been employed, with the valid contact addresses of their homes.

       三、切实加强对国家助学贷款工作的领导、管理与监督

    (一)调整上海市国家助学贷款工作协调小组。

    该协调小组由市政府分管副秘书长任组长,市教委、市财政局、市金融办、人行上海分行、上海银监局、市信息委、市公安局等部门参加,研究解决上海市高校国家助学贷款实施过程中出现的问题。

    (二)健全本市国家助学贷款管理机构,进一步强化并改进管理。

    市教委要加强国家助学管理机构建设,筹建上海市学生贷款管理中心,调剂配备相应工作人员,保证必需的工作经费。

    上海市国家助学贷款管理机构的职能如下:

    1、具体组织部署上海地区普通高校国家助学贷款的实施;

    2、负责通过招标方式,确定上海地区市属普通高校国家助学贷款经办银行,与经办银行签订贷款合作协议,严格按协议约定做好各项管理工作;

    3、统一管理市财政安排的国家助学贷款贴息资金和按本意见建立的上海地区所属普通高校的国家助学贷款风险补偿专项资金;

    4、建立完善国家助学贷款信息管理系统和统计监测体系;

    5、定期在新闻媒体上公布经办银行提供的违约借款者相关信息;

    6、定期向本市国家助学贷款工作协调小组通报有关情况、报送相关报表。

    各普通高校要加强对国家助学贷款的管理工作。必须设立专门的工作机构,由学校的一位校级领导直接负责。原则上按全日制普通本专科学生、研究生在校生规模1∶2500的比例,在现有编制内调剂配备专职工作人员。要制定国家助学贷款管理职责细则,按隶属关系报送国家和市级助学贷款管理中心备案。要培养学生诚信意识,建立学生信用档案,制订切实可行的措施,督促借款学生及时归还借款本息,努力降低国家助学贷款风险。借款学生毕业时,学校有关部门应组织学生与经办银行在办理还款确认手续后,方可为借款学生办理毕业手续,并将其贷款情况载入学生个人档案;要积极主动地配合经办银行催收贷款,负责在1年内向经办银行提供借款学生第一次就业的有效联系地址;对未就业的贷款学生,提供其家庭的有效联系地址。

4. Offer student loan services to students of Shanghai origin going to colleges or universities outside Shanghai

Starting from the autumn of the year 2004, student loan services shall be offered to students of Shanghai origin going to colleges or universities outside Shanghai so as to encourage students of Shanghai origin to go to institutions of higher learning in other provinces and municipalities and effectively help those students of needy families to complete their studies successfully. Students of poor families receiving minimum subsistence security benefits who have registered permanent residence in this Municipality's and are admitted to colleges or universities outside Shanghai through the nationally unified ordinary college entrance examination may, on presenting their admission notices or college student cards, the certificates of entitlement to minimum subsistence security benefits issued by the social security centers of the neighborhoods, townships or towns where their families have their registered permanent residence and other documents, request and receive loan application forms for students of Shanghai origin at the places designated by the Municipal Education Commission at the appointed time; after passing preliminary examinations, those students shall enter into a loan agreement with the handling bank for loans for students of Shanghai origin, furnish related materials, such as guarantor, as required by the bank and undertake to perform corresponding obligations. The handling bank shall grant loans after examination and approval.

The maximum amount of student loans that can be made available to a student of Shanghai origin going to institutions of higher learning outside Shanghai upon application is 6,000 yuan a year per person, and such borrowing students are entitled to subsidization of interest by the public finance as provided by the State.

       四、开办上海生源赴外地高校就读的助学贷款业务

    为鼓励上海生源到外地高校就读,并有效帮助其中部分家庭困难学生顺利完成学业,从2004年秋季开始,开办上海生源赴外地高校就读的助学贷款业务。凡有本市常住户籍并经全国普通高校统一招生考试被录取到外地高校就读的低保家庭贫困学生,可凭其入学通知书或就读高校学生证、家庭户籍所在地区街道或乡镇社保中心出具的低保收入证明等资料,在指定时间到市教委指定地点申领上海生源地贷款申请表;经初审合格后,与上海生源地助学贷款经办银行签订贷款协议,并按银行要求提供保证人等相关资料,承诺履行相关义务。经办银行审核通过后,予以发放贷款。

    上海生源到外地高校就读所申请获得的助学贷款,限额每人每年6000元,并享有国家规定的财政贴息待遇。

Shanghai Education Commission

Shanghai Finance Bureau

Shanghai Branch of the People's Bank of China

Shanghai Banking Regulatory Administration

Shanghai Finance Office

Shanghai Informatization Commission

上海市教育委员会

上海市财政局

中国人民银行上海分行

中国银监会上海监管局

上海市金融服务办公室

上海市信息化委员会 

二00四年十一月四日 

Annex 1

Procedures of Shanghai Municipality on Management of Subsidization of State Student Loan Interest by Public Finance

    附件1:

上海市国家助学贷款财政贴息管理办法

With a view to strengthening the management of funds for subsidizing state student loan interest, these Procedures are formulated in accordance with relevant provisions.

    为加强国家助学贷款贴息资金的管理,根据有关规定,制定本办法。 

1. With regard to state student loans granted after the beginning of the school term in the autumn of the year 2004, 100 % of the loan interest accrued to the borrowing students shall be subsidized by public finance during the period of their schooling and the interest incurred after graduation shall be paid by the students themselves.

The interest rate applicable to state student loans shall be the legal interest rate published by the People's Bank of China on loans of the same category for the same period and may not float upward or be compounded.

Payment of interest by borrowing students themselves upon graduation shall start from the first day (inclusive of the first day) of the month following the date on which they receive their certificates of graduation; in the case of those borrowing students who complete their studies and receive a transcript but fail to graduate, suspend or discontinue their schooling, or are struck off the school roll, according to relevant school regulations on students' status, they shall begin to pay interest themselves from the first day of the month following the date on which relevant formalities are performed.

    一、自2004年秋季开学后签订的国家助学贷款,实行借款学生的借款利息在校期间100%由财政补贴,毕业后自付利息的办法。 

    国家助学贷款利率按照中国人民银行公布的同期同档次贷款的法定利率执行,不上浮、不计复利。 

    借款学生毕业后自付利息的开始时间,为其取得毕业证书之日的下月1日(含1日);当借款学生按照学校学籍管理规定结业、肄业、休学、退学、被取消学籍时,自办理有关手续之日的下月1日起自付利息。 

2. Budgetary requirements for interest subsidies needed by ordinary institutions of higher learning under municipal administration, vocational colleges run by various trades and private ordinary colleges for state student loans shall be proposed in a unified way by the Student Loan Management Center in this Municipality in the light of the amount of loans requiring interest-subsidies and listed in the annual departmental budget of the Municipal Education Commission upon preliminary examination by the Municipal Education Commission and examination and approval by the municipal finance department.

    二、国家助学贷款所需贴息经费,市属普通高校、各行业办高职院校及民办普通高校统一由本市学生贷款管理中心根据需贴息的贷款规模提出经费需求预算,经市教委初审、市财政审核后,列入市教委每年度部门预算。 

3. The specific procedure for interest subsidization is as follows: within 20 workdays after the end of every quarter, the handling bank shall prepare for each institution of higher learning under municipal administration a statistical summary of the name list of students enrolled at the institution and actually granted state student loans by the bank, the amount of loans, interest rate, interest and other data and provide the said material to the Shanghai Student Loan Management Center upon its confirmation by the loan management departments of relevant institutions of higher learning.

The Shanghai Student Loan Management Center shall, within 30 workdays after receiving the interest-subsidization application material provided by the handling bank, pay promptly to the handling bank funds for interest subsidization.

The municipal finance department shall, on a quarterly basis, allocate in advance to the Shanghai Student Loan Management Center budgeted funds for state student loan interest subsidization.

    三、贴息的具体做法是:经办银行于每个季度结束后的20个工作日内,将本行对市属在校学生实际发放的国家助学贷款学生名单、贷款额、利率、利息等情况按高校进行统计汇总,经高校贷款管理部门确认后,提供给上海市学生贷款管理中心。 

    上海市学生贷款管理中心应在收到经办银行提供的贴息申请材料后30个工作日内,及时向经办银行支付贴息资金。 

    市财政将列入预算的国家助学贷款贴息资金,按季度预拨给上海市学生贷款管理中心。 

4. The Shanghai Student Loan Management Center shall manage the interest subsidization funds from public finance in a special account, use the special funds exclusively for their specified purpose and submit in a timely manner relevant statements to the Municipal Finance Bureau and the Municipal Education Commission.

    四、上海市学生贷款管理中心应对财政贴息资金实行专户管理、专款专用,并及时向市财政局和市教委报送相关报表。

5. The mode of interest payment by borrowing students upon their graduation shall be determined through consultations at the time when they perform loan repayment confirmation formalities with the bank.

       五、借款学生毕业后的利息支付方式,由贷款学生在与银行办理还款确认手续时协商确定。

6. These Procedures shall become effective on September 1, 2004. The original procedures shall continue to apply to interest subsidization by public finance of those state student loans under contracts entered into before the above date

       六、本办法自2004年9月1日开始执行。此前签订合同的国家助学贷款财政贴息,继续按原办法执行。

Annex 2

Procedures of Shanghai Municipality on Management of Special Funds for Risk Compensation for State Student Loans

    附件2:

上海市国家助学贷款风险补偿专项资金管理办法

With a view to strengthening the management of special funds for risk compensation for state student loans, these Procedures are formulated in accordance with relevant regulations.

    为加强国家助学贷款风险补偿专项资金的管理,根据有关规定,制定本办法。 

1. Special funds for risk compensation for state student loans are compensations made to the handling bank in line with the principle of "risk sharing", representing a specified proportion of the amount of state student loans actually granted in the current year. The specific proportion applicable shall be stipulated in the loan cooperation agreement entered into by the Shanghai Student Loan Management Center with the handling bank.

The handling bank, as referred to in these Procedures, means the successful-bidding bank that enters into a cooperation agreement with the Shanghai Student Loan Management Center.

    一、国家助学贷款风险补偿专项资金是根据"风险分担"的原则,按当年实际发放的国家助学贷款金额的一定比例对经办银行给予补偿。具体比例,按上海市学生贷款管理中心与经办银行签订的贷款合作协议执行。 

    本办法所称的经办银行,是指与上海市学生贷款管理中心签订合作协议的中标银行。 

2. Special funds for risk compensation shall be borne by public finance and the institution of higher learning administratively under its jurisdiction on a 50%-to-50 % basis and managed by the Shanghai Student Loan Management Center to be used for their specified purpose only.

    二、风险补偿专项资金按照行政隶属关系,由财政和高校各承担50%,由上海市学生贷款管理中心负责管理,专款专用。

3. Budgetary requirements for special funds for risk compensation to be borne by the municipal public finance shall be proposed by the Shanghai Student Loan Management Center in the light of the amount of loans incurred and the proportion of risk compensation and listed in the annual departmental budget of the Municipal Education Commission upon preliminary examination by the Municipal Education Commission and examination and approval by the finance departments.

    三、市财政应承担的风险补偿专项资金,由上海市学生贷款管理中心根据贷款发生额及风险补偿比例提出经费需求预算,经市教委初审、财政部门审核后,列入市教委年度部门预算。 

4. The special fund for risk compensation to be borne by each ordinary institution of higher learning under municipal administration shall be directly withheld by the Municipal Finance Bureau and allocated to the Shanghai Student Loan Management Center every year when it refunds to the said institution the tuition revenue under the scheme of "separate management of revenue and expenditure"; the special fund for risk compensation to be borne by private and trade-run institutions of higher learning shall be transferred by each institution to the Shanghai Student Loan Management Center before the end of October every year.

    四、市属各普通高校应承担的风险补偿专项资金,由市财政局在每年向上述高校返还按"收支两条线"管理的学费收入时,直接扣除并划拨给上海市学生贷款管理中心;民办和行业办高校应承担的风险补偿专项基金,由各学校在每年10月底前,将资金划入上海市学生贷款管理中心。 

5. The special fund for risk compensation to be borne by those institutions of higher learning that have no graduates entering the repayment period in the current year shall be calculated according to the following formula:

The special fund for risk compensation to be borne = the actual amount of loans in the current year × the proportion of risk compensation ×50 %.

    五、当年尚未有毕业学生进入还款期的高校所承担的风险补偿专项资金,按以下公式计算: 

    所承担的风险补偿专项资金=当年实际贷款额×风险补偿比例×50%. 

6. The special fund for risk compensation to be borne by those institutions of higher learning that already have graduates entering the repayment period in the current year shall be linked to the amount default rate of their own students in the preceding school year, and checked and determined by the Shanghai Student Loan Management Center.

    六、已有毕业学生进入还款期的高校,所承担的风险补偿专项资金与上一学年度本校学生的金额违约率挂钩,并由上海市学生贷款管理中心负责考核确定。 

7. The amount default rate means the proportion of the amount of loan principal and interest more than 90 consecutive days overdue under the contract in the amount of loan principal and interest that has entered the repayment period.

       七、金额违约率是指连续超过90天未履行合同的贷款本息金额占进入还款期的贷款本息金额的比率。

8. Before the end of September every year, the handling bank shall prepare for each institution of higher learning a statistical summary of the amount of state student loans actually granted and the default rate in the preceding school year (from September 1 of the preceding year to August 31 of the current year) and furnish it to the Shanghai Student Loan Management Center upon confirmation from the institution of higher learning concerned.

       八、经办银行于每年9月底前,将上一学年度(上年9月1日-当年8月31日)实际发放的国家助学贷款金额和违约率按高校进行统计汇总,经高校确认后,提供给上海市学生贷款管理中心。

9. On the basis of the loan amount actually granted and the default rate provided by the handling bank, the Shanghai Student Loan Management Center shall calculate and determine by weighted average method the special fund for risk compensation for each institution of higher learning in the current year.

       九、上海市学生贷款管理中心根据经办银行提供的贷款实际发放额和违约率,采用加权平均方式计算确定各高校本年度的风险补偿专项资金。

10. Before the end of October every year, the Shanghai Student Loan Management Center shall report to the finance department at the same level the amount of special funds for risk compensation to be borne by each institution of higher learning, which shall be taken as the basis for the finance department to withhold and allocate funds.

       十、上海市学生贷款管理中心应于每年10月底前,将高校所应承担的风险补偿专项资金数额报送同级财政部门,作为财政部门扣拨经费的依据。

11. The Shanghai Student Loan Management Center shall notify each institution of higher learning in writing of the exact amount of the special fund for risk compensation to be borne by the said institution, which shall accordingly list it as expenditure under the relevant accounting title.

       十一、上海市学生贷款管理中心应将各高校所应承担的风险补偿专项资金的具体数额书面通知高校,高校据此在有关会计科目中列支。

12. The Shanghai Student Loan Management Center shall, according to the amount of loans actually granted by the bank and in the proportion stipulated in the agreement, determine the special fund for risk compensation actually payable to the bank. At the same time, it shall, before the end of December every year, allocate such funds in a timely manner and in full to the handling bank, as stipulated in the agreement,

       十二、上海市学生贷款管理中心根据银行实际发放贷款额并按照协议比例,确定实际应支付给银行的风险补偿专项资金。同时按协议规定,在每年12月底前,将补偿资金及时、足额拨付给经办银行。

13. Every year, the Shanghai Student Loan Management Center shall prepare a final statement of the management and use of the special funds for risk compensation, submit it to the Municipal Education Commission and the Municipal Finance Bureau, with copies for the Shanghai Branch of the People's Bank of China and the Shanghai Banking Regulatory Administration and inform each institution of higher learning thereof.

       十三、上海市学生贷款管理中心每年应将风险补偿专项资金的管理、使用情况编制决算报告,报市教委、市财政局,同时抄报人行上海分行、上海银监局,并向高校通报。

14. The Shanghai Student Loan Management Center shall subject itself to the supervision by competent educational departments and finance departments in connection with the management and use of special funds for risk compensation.

       十四、上海市学生贷款管理中心对风险补偿专项资金的管理与使用,要接受教育主管部门、财政部门的监督。