通过此次活动,有效地增强了不同群体对金融知识的理解和掌握,特别是在校学生等金融知识相对薄弱的 群体。建行德州齐河支行将以此次活动为契机,不断探索金融知识普及的新方式、新途径,为当地营造安 全稳定的金融环境贡献建行力量。 (李楠) 一是主动与当地高校联合开展"建行护航、青春无诈"主题宣讲活动,将金融知识纳入新生入学教育。在 活动现场,针对大学生群体易遭遇的"校园贷""刷单诈骗""冒充客服"等典型案例,深入剖析诈骗手法,学会 识别技巧,提醒同学们警惕身边陷阱,筑牢第一道安全防线。同时向学生介绍国家助学贷款等正规渠道,宣 传告知遭遇非法"校园贷"时的应对的措施和维权路径,帮助学生群体树立理性消费观。建行德州齐河支 行工作人员还通过情景模拟、互动问答等形式,向同学们普及个人信息保护、理性消费、合法维权等金 融知识,增强学生对非法金融活动的免疫力。 二是走进农贸市场、商圈,针对老年客户和新市民客户进行集中宣传,为居民发放宣传材料,结合典型案例 讲解非法集资、养老诈骗等违法犯罪的特征和危害,提醒老年群体守护好"养老钱",提升了群众的金融安 全知识。 为积极响应国家金融监管总局关于金融教育宣传周的部署要求,建行德州齐河支行 ...

根据财政部、教育部、中国人民银行、金融监管总局《关于做好2025年国家助学贷款免息及本金延期偿 还工作的通知》（以下简称《通知》）要求，国家开发银行将对本行承办的国家助学贷款（含生源地信 用助学贷款和高校助学贷款，下同）实行免息及本金延期偿还。现将具体事项公告如下： 一、免息及本金延期偿还范围 （一）免息范围 自2025年1月1日起，2025年及以前年度毕业的借款学生2025年内应偿还的国家助学贷款利息。 （二）本金延期偿还范围 经借款学生自主申请，2025年内应偿还的国家助学贷款本金可延期1年偿还。按照有关规定，助学贷款 期限最长不超过22年。 二、办理流程 （一）免息流程 4.延期偿还的本金及利息。延期偿还本金的利息计算和本息偿还将按照国家有关规定和《借款合同》等 文件约定执行，延期贷款不计罚息、不收复利，《通知》免息范围内的利息将予以免除。 5.其他事项。若借款学生未按上述要求提交本金延期偿还申请，或因申请不符合国家有关政策规定导致 申请不成功的，可按《通知》规定继续享受免息政策，但其余应还款项仍应按照《借款合同》等文件约 定还款。 如果因申请本金延期偿还导致延期后的偿还日晚于相应《借款合同》等文件约定 ...

Core Points - The national student loan program is categorized into two types: source-based credit student loans and campus-based national student loans. The source-based credit student loans have become the main type, allowing students to apply for loans at their place of household registration before enrollment [1] - The loan features include sufficient amounts, low interest rates, and long repayment periods. Full-time undergraduate students can borrow up to 20,000 yuan per year, while full-time graduate students can borrow up to 25,000 yuan per year. The maximum loan term is the length of study plus 15 years, totaling no more than 22 years. The interest rate is set at 70 basis points below the loan market quotation rate (LPR) [1] - The government continues to support students by waiving interest for loans due in 2025 for graduates from 2025 and earlier, and allowing a one-year extension for principal repayment upon student application [1] Application Process - First-time applicants and co-borrowers can apply for loans at local education departments, requiring documents such as student ID or admission notice, identification cards, household registration books, and loan application forms. Students who have not pre-applied must fill out a "Family Economic Difficulty Student Identification Form." Continuing students can apply through the online system or mobile app [2] - The China Development Bank maintains no upper limit on the total number of loans or loan amounts, ensuring sufficient funding and supporting all students in need [2]

Group 1 - The Ministry of Education's National Student Financial Aid Center issued a warning about "student loan processing" scams, particularly during the peak period for local credit student loan applications [1][2][3] - Scammers are infiltrating student loan consultation groups on platforms like QQ and WeChat, posing as staff to defraud students [2][3] - Previous warnings were issued earlier this year regarding "student loan repayment" scams and illegal "campus loans" [1][4] Group 2 - The center advises students to be cautious and not to accept friend requests from strangers, emphasizing that the national student loan process does not require any fees or transfers [3][4] - Reports indicate that two students were scammed out of 3,500 yuan by fraudsters posing as loan facilitators [3][4] - Local police have shared common scam tactics, including impersonating officials and creating urgency through misleading statements [4] Group 3 - The national student loan program is government-led, providing credit loans to economically disadvantaged students for tuition and living expenses [5][6] - The maximum loan amounts have been increased: from 16,000 yuan to 20,000 yuan for undergraduates and from 20,000 yuan to 25,000 yuan for graduate students starting from the 2024 academic year [5] - Loan terms include a repayment period of up to 22 years, with interest rates set at 70 basis points below the market rate [5][6] Group 4 - The student loan program includes both local credit loans and campus-based loans, with specific eligibility criteria for applicants [6][9] - Students must not have outstanding loans to act as co-borrowers for others, and those under 16 require a guardian as a co-borrower [7] - Repayment schedules vary, with no payments required during the study period and structured repayments starting after graduation [8] Group 5 - Banks require cooperation with specific universities to process student loans, and students can only apply for one type of loan per academic year [9][11] - Students are advised to verify loan details through official channels and not to engage in any transactions requested via phone or online [11]

Group 1 - The National Development Bank (NDB) has commenced the acceptance of student loans for the 2025 academic year, allowing students to apply online through the NDB's student loan system [1] - NDB continues to adhere to the principle of "full lending" to meet the loan demands of economically disadvantaged students, ensuring sufficient loan funding [1] - The bank is implementing several measures to optimize the student loan service, including accelerating loan disbursement and enhancing customer service [1] Group 2 - In response to severe flooding in Guizhou Province, NDB quickly established temporary loan processing points to assist affected students in applying for loans [2] - Affected students, such as Wu Shengyuan, have reported significant financial burdens due to the disaster, but the availability of student loans has provided crucial support for their educational expenses [2] - NDB is also collaborating with local authorities to provide repayment assistance for borrowers unable to repay loans due to the flooding [2] Group 3 - NDB has reported that as of the end of 2024, it has issued a total of 4,569 billion yuan in student loans, benefiting 22.25 million economically disadvantaged students [3] - The bank aims to enhance the efficiency of loan processing and improve the experience for students applying for loans [3] - The bank's social welfare department emphasizes the importance of ensuring that national policies effectively support every economically disadvantaged student [3]

Group 1: Core Offerings - China Bank launched the "Huichu You" summer campaign, providing exclusive travel discounts for students, including flight discounts, travel subsidies, and convenient currency exchange services [1][2] - The bank collaborates with various hotels and ticket platforms to offer "flight and hotel discounts," allowing students to enjoy savings on bookings [1][3] - China Bank has issued over 28.5 billion yuan in national student loans over 25 years, benefiting over 2 million students across the country [3] Group 2: Financial Support and Services - The bank provides flexible commercial student loans to alleviate financial burdens for families, enabling students to focus on their studies [3] - China Bank offers a student card service that waives various fees, such as annual fees and transaction fees, to reduce students' financial costs [4] - The bank promotes "smart campus" initiatives, including a "smart cafeteria" service that allows students to recharge meal fees and pay via facial recognition [4] Group 3: Overall Commitment - China Bank aims to support students from their first flight to independent living, providing comprehensive financial care throughout their educational journey [5][6]

Group 1 - The National Development Bank (NDB) has commenced the acceptance of student loans for the year 2025, allowing students to apply online through the NDB's student loan system or mobile app [1] - NDB aims to fully meet the loan demands of economically disadvantaged students by ensuring sufficient loan funding and implementing various service optimizations [1] - Key service improvements include accelerating loan disbursement, transitioning from a single disbursement in November to staggered disbursements after the start of the school year, and enhancing repayment flexibility with same-day application and deduction [1] Group 2 - Following severe flooding in June in Rongjiang County, Guizhou Province, NDB quickly established temporary loan processing points to assist affected students in applying for loans [2] - NDB is collaborating with local student financial aid offices to identify borrowers unable to repay loans due to the disaster and will provide repayment assistance [2] - As of the end of 2024, NDB has issued a total of 4,569 billion yuan in national student loans, supporting 22.25 million economically disadvantaged students [2]

Core Points - The National Student Loan Program aims to assist economically disadvantaged students in completing their education through financial support [1][12] - The program has been activated in response to recent natural disasters, particularly in Guizhou Province, where local education authorities are facilitating loan applications for affected students [3][5] Group 1: Loan Application Process - New student loan applications can be processed through local student financial aid centers, with the program being implemented in over 20 provinces including Guizhou, Henan, Sichuan, and Gansu [7] - Students can apply for loans up to 10,000 yuan for undergraduate studies, with the application process streamlined for those who have previously applied [8][15] Group 2: Loan Disbursement and Terms - The National Development Bank has expedited the loan approval and disbursement process, allowing students to receive funds approximately two months earlier than in previous years [8] - The loan repayment terms are flexible, with students able to make early repayments without prior notice, and the repayment frequency is not limited [13][15] Group 3: Financial Support Details - The maximum loan amount for full-time undergraduate students is capped at 20,000 yuan per year, while full-time graduate students can apply for up to 25,000 yuan [15] - Interest rates for the loans are set at the market rate minus 70 basis points, and eligible students may have their interest waived for the current year [15]

Group 1 - The National Student Financial Aid Management Center and the China Development Bank held a launch meeting for the 2025 National Source Credit Student Loan program, focusing on implementing loan policies, accurately identifying needy students, and preventing illegal campus loans [1] - The acceptance of the 2025 Source Credit Student Loan will begin in mid-July, with students able to apply through the China Development Bank's online system or mobile app [1] - The China Development Bank aims to ensure sufficient loan funding to meet the needs of all economically disadvantaged students and will optimize the loan issuance process by moving from a centralized release in November to an earlier phased release [1] Group 2 - The National Student Loan program is a key part of China's student financial aid policy, promoting educational and social equity for economically disadvantaged students [2] - A reduction of 0.1 percentage points in the five-year loan market quoted interest rate (LPR) in May will lead to a corresponding decrease in the interest rate for the Source Credit Student Loan if the LPR remains unchanged [2] - The China Development Bank has issued a total of 456.9 billion yuan in student loans, benefiting 22.25 million economically disadvantaged students across 29 provinces and all recognized higher education institutions [2]

Group 1 - The core viewpoint emphasizes the importance of effectively implementing the national student loan policy for the 2025 academic year, focusing on optimizing service and enhancing risk management [1] - The National Development Bank plans to start accepting applications for the 2025 student loans in mid-July, ensuring that all economically disadvantaged students can access the necessary funding [1] - The bank aims to improve the efficiency of loan processing and enhance the student experience by collaborating with educational institutions and management departments [1] Group 2 - The National Development Bank will optimize the student loan issuance process by moving from a centralized annual release in November to an earlier phased release [2] - The bank has issued a total of 4,569 billion yuan in student loans, benefiting 22.25 million economically disadvantaged students [2] - Additional services provided to loan students include scholarships, job placements, and insurance, with 1.4 billion yuan in scholarships issued and 10,211 internship positions offered [2]