| Notice by the People's Bank of China of Forwarding the Notice by the General Office of the State Council of Forwarding the Supplementary Opinions of the People's Bank of China and Other Departments on the Administration of Student Loans and Issuing the Measures of the People's Bank of China for the Administration of Student Loans | | 中国人民银行关于转发《国务院办公厅转发中国人民银行等部门关于助学贷款管理补充意见的通知》和印发《中国人民银行助学贷款管理办法》的通知 |
| (No. 7 [2000] of the People's Bank of China) | | （银传〔2000〕7号） |
| The Tianjin, Shenyang, Shanghai, Nanjing, Jinan, Wuhan, Guangzhou, Chengdu, Xi 'an Branches of the People's Bank of China (“PBC”), and operations offices of the PBC in Beijing and Chongqing; all central sub-branches of the PBC in capital cities of provinces (autonomous regions); the central sub-branches of the PBC in all prefectures, autonomous prefectures and prefecture-level municipalities and branches in all counties and county-level municipalities; Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China CITIC Bank, China Everbright Bank, Huaxia Bank, China Minsheng Bank, China Merchants Bank, Guangdong Development Bank, Shenzhen Development Bank, Fujian Industrial Development Bank, and Pudong Development Bank of Shanghai: | | 中国人民银行天津、沈阳、上海、南京、济南、武汉、广州、成都、西安分行、营业管理部(北京)、重庆营业管理部，各省会(首府)城市中心支行，各地、州、市中心支行，各县(县级市)支行；中国工商银行、中国农业银行、中国银行、中国建设银行、交通银行、中信实业银行、中国光大银行、华夏银行、中国民生银行、招商银行、广东发展银行、深圳发展银行、福建兴业银行、上海浦东发展银行： |
| We hereby forward to you the Notice by the General Office of the State Council of Forwarding the Supplementary Opinions of the People's Bank of China and Other Departments on the Administration of Student Loans (Plain Telegram No. 27 [2000], General Office of the State Council), enclosing the Measures of the People's Bank of China for the Administration of Student Loans herewith. The two documents on student loans issued this time have made important new adjustments to the policies on student loans, which are mainly as follows: | | 现将国办发明电〔2000〕27号《国务院办公厅转发中国人民银行等部门关于助学贷款管理补充意见的通知》转发给你们，同时随文下发《中国人民银行助学贷款管理办法》。这次发布的关于助学贷款的两个文件，对助学贷款政策做了新的重要调整，主要是： |
| I. The applicable areas of the state student loans to which the central finance provides interest subsidies and the scope of banks making such loans have been expanded. Meanwhile, the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government are required to create conditions for their colleges and universities in offering the state student loans to which the finance authorities at all levels provide interest subsidies, and the target population of state student loans has also been expanded. | | 一、扩大了由中央财政贴息的国家助学贷款适用地域和经办银行范围，同时要求各省、自治区、直辖市人民政府，创造条件对所属高等学校开办由各级财政贴息的国家助学贷款，并且扩大了国家助学贷款的学生适用对象。 |
| II. The two documents have clearly stated that commercial banks and urban and rural credit cooperatives may independently offer student loans according to the General Rules on Loans. Student loans may be offered in two ways: unsecured (credit) loans and secured loans. Specifically, college or university undergraduates shall be granted unsecured credit loans and their lineal relatives and statutory guardians may be offered either unsecured (credit) student loans or secured student loans. | | 二、明确提出了各商业银行和城乡信用社均可根据《贷款通则》自主办理助学贷款，助学贷款可采取无担保(信用)贷款和担保贷款两种方式，其中，对高等院校在读学生发放无担保的信用贷款，对其直系亲属、法定监护人既可以发放无担保(信用)助学贷款，也可以发放担保助学贷款。 |
| III. The basic conditions for taking out loans have been relaxed, the joint and several liability of witnesses have been abolished, and the responsibilities of colleges and universities have been simplified. However, the borrower is required to make commitments to provide the lender with his or her employer and contact information after leaving school. Where a loan is one year overdue and has not been extended, the lender may publish the name and ID number of the borrower in his or her college or university or the relevant media for inquiry. | | 三、放宽了借款的基本条件，取消了证明人的连带责任，简化了高等学校的职责。但要求借款人承诺离开学校后向贷款人提供工作单位和通讯方式；承诺贷款逾期一年不还，又未提出展期，可由贷款人在就学的高等学校或相关媒体上公布其姓名、身份证号码，予以查询。 |
| IV. The documents have also made it clear that the interest rates on student loans shall be executed based on the same-term loan interest rate as stipulated by the People's Bank of China and shall not go up. The interest payment may be more flexible so that the lender and the borrower could have more alternatives. | | 四、明确了助学贷款利率按中国人民银行规定的同期限贷款利率执行，不上浮；付息方式可以更加灵活，以利于贷款人和借款人选择。 |
| After receiving this Notice, all financial institutions shall promptly convey it to their branches to extensively publicize student loans. Meanwhile, they shall lose no time in implementing this Notice in light of the realities of different banks or regions, in an attempt to offer all kinds of student loan business at the beginning of the new semester. | | 请各金融机构收到本通知后，迅速传达到所属各分支机构，广泛开展助学贷款业务宣传，结合各行各地实际抓紧贯彻落实，力争在新学期开始时，全面开办各种形式的助学贷款业务。 |
Upon receipt of this Notice, all branches and sub-branches of the People's Bank of China shall immediately organize the relevant financial institutions to study carefully and understand the spirit of the documents, and effectively organize the publicity of student loans by financial institutions under their jurisdiction. Moreover, they shall issue the Measures of the People's Bank of China for the Administration of Student Loans | | 人民银行各分、支行收到本通知后，要立即组织各有关金融机构认真学习、领会文件精神，组织好辖内金融机构助学贷款宣传，将《中国人民银行助学贷款管理办法》印发各学校，在当地报刊全文转载。各县支行要负责将《中国人民银行助学贷款管理办法》迅速通知到各信用社，督促各信用社主动上门服务，了解所辖服务区内助学贷款需求，依据本《办法》积极开办助学贷款业务。 |
| All branches shall report the implementation of these Measures and new problems in the implementation thereof to the head office by the end of September. | | 各分行将本《办法》的贯彻落实情况和贯彻执行中的新问题，于9月底前专题报告总行。 |
| Annex: | | 附件： |
| 1. Plain Telegram No. 27 [2000] of the General Office of the State Council | | 1、国办发明电〔2000〕27号 |
| 2. Measures of the People's Bank of China for the Administration of Student Loans | | 2、中国人民银行助学贷款管理办法 |
| People's Bank of China | | 人民银行 |
August 26, 2000
．．．．．． | | 二○○○年八月二十六日
．．．．．． |
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