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什么是国家助学贷款?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,加大对普通高校贫困家庭学生资助力度所采取的一项重大措施。国家助学贷款是由政府主导、财政贴息、财政和高校共同给予银行一定风险补偿金,银行、教育行政部门与高校共同操作的专门帮助高校贫困家庭学生的银行贷款。借款学生不需要办理贷款担保或抵押,但需要承诺按期还款,并承担相关法律责任。借款学生通过学校向银行申请贷款,用于弥补在校学习期间学费、住宿费和生活费的不足,毕业后分期偿还。
What is a national student loan? The national student loan is one of the measures taken by the Central Party Committee and the State Council under the socialist market economy to improve the financial aid system for ordinary colleges and universities by means of financial means and to increase the subsidy for poor students in ordinary colleges and universities Major measure The national student loan is a government-led, interest-subsidy, financial and university jointly given a certain amount of risk compensation of banks, banks, education administration departments and colleges and universities to jointly help students in poor loans to college students bank loans. Loan Students do not need to apply for loan guarantees or mortgages, but need to commit repayment on schedule, and bear the relevant legal responsibilities. Borrowing Students apply for a loan from the bank through the school to make up for the lack of tuition, accommodation and living expenses while studying in the university. After graduation, they repay their loans in installments.