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中国人民银行发布的《助学贷款管理办法》规定,各商业银行和城乡信用社均可根据《贷款通则》自行办理助学贷款。贷款人(各商业银行和信用社)对高等学校的在读学生(包括专科、本科和研究生)发放无担保(信用)助学贷款,对其直系亲属、法定监护人(以下简称借款人)发放无担保(信用)助学贷款和担保助学贷款。
The Measures for the Management of Student Loans issued by the People’s Bank of China stipulate that all commercial banks and urban-rural credit cooperatives may handle student loans on their own in accordance with the General Rules for Loans. Lenders (commercial banks and credit unions) issue unsecured (credit) student loans to undergraduate students (including specialties, undergraduate and graduate students) in colleges and universities, and grant no guarantees to their immediate family members and legal guardians (hereinafter referred to as borrowers) (Credit) student loans and sponsored student loans.