How do college students get bank loans?

Students who meet the requirements can apply for student loans issued by the China Development Bank.

There are four main forms of student loans: national student loans; credit-based student loans from the student’s place of origin; interest-free loans provided by colleges and universities using state financial funds for students; and general commercial student loans. Among them, national student loans have the largest funding intensity and scale and are the main content of student loans.

You can apply for college student entrepreneurship loans due to financial problems encountered in starting a business.

Criteria for application for entrepreneurial loans for college students

1. Freshly graduated college students, and college students who have graduated within two years;

2. College degree or above;

3. Over 18 years old.

Extended information:

Student loans:

? Generally speaking, students from poor families need to apply for national student loans from local banks through the schools they attend. loan. In principle, students apply once and banks issue national student loans in installments while they are in school.

Entrepreneurship Loans for College Students:

Application Process:

1. Acceptance. Applicants apply to the University Student Entrepreneurship Park Management Service Center and submit relevant application materials, which will be initially reviewed by the University Student Entrepreneurship Park Management Service Center;

2. Review. For commercial loan interest discount objects and amounts that have passed the preliminary review, the Personnel Bureau, together with the Finance Bureau and other relevant departments, will review the information of the commercial loan interest discount objects based on factors such as industry orientation, enterprise size, number of employees, registered capital, profits and taxes, and determine the interest discount. Amount;

3. Public announcement. The commercial loan interest discount objects and interest discount amounts that have been reviewed and approved will be publicized by the Personnel Bureau and the applicant's unit or community. The publicity period is 5 working days;

4. Approval. If there is no objection after publicity, the Personnel Bureau will issue an approval notice;

5. Appropriation. According to the approval notice from relevant departments, the Finance Bureau will allocate funding from the special fund to support college students' independent entrepreneurship after the interest discount recipients provide interest payment certificates.

6. Application materials for college students’ entrepreneurial loans.

Reference materials: Baidu Encyclopedia - Student Loans Baidu Encyclopedia - College Student Entrepreneurship Loans