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Xie Guangxiang Vice Governor attended the meeting and stressed the need to Hu Jintao, General Secretary , Provincial Education Work Committee , the provincial Education Minister Cheng Yi at the meeting summed up the funding students from poor families in our province ’s achievements and experience , and deploy the next step . At the meeting, provincial Finance Department , Anhui Branch of China Development Bank , the Provincial Rural Credit Cooperatives responsible comrades of the deployment of this system work, Bozhou City , Anhui University of Technology for the exchange of experience .

On August 5 , students from poor families across the province -cum- students to student loan funding television and telephone conference was held . Lu’an and set up a sub-venue counties , municipalities and municipal development and reform, human society , finance, Banking , Education , and other related departments and colleges and universities attended the meeting.

Today, Shanghai ,2011 -2012 academic year to students attending state colleges and universities Fuwai provincial student loans, students focus on the admissibility of the Centre work starts in Shanghai . He graduated from Nanyang Model High School of the University of South Wang Yu execution was admitted as the first year of college freshmen get the loan . Industrial and Commercial Bank he will receive an annual payment of 6,000 yuan in the national student loan while in school loans to pay all the interest on municipal finance to the bank , the students just six years after graduation to pay off the principal.

Yin Jie , deputy director of City Board of Education , this year went to foreign students studying in Shanghai has increased the proportion of about 19% , to protect the poor students studying in Shanghai from 1997 pilot national student loans, as the first students to student loans offer one of the provinces and cities . However,home loan, Yin Jie believes that Chinese family values ​​are still relatively conservative loans , relatively Western countries, China’s current student loans through the state school funding or commercial loans obtained or lower proportion of candidates , so hope to gain publicity so that more difficult for candidates .

addition, the university in early March each year statistical analysis of school students in Guangxi student loans student loan repayment, interest payments, risk and so on. Universities should be dynamic tracking performance of students in school loans, the borrower may place students drop out, repetition, drop out, go abroad and other student status or transaction does not complete their studies to monitor the situation. Student loans before graduation, college students should carry out at least once per semester credit education and training payments, repayment of loan principal and interest to ensure that students know the methods and processes.

example, county-funded office to understand their work, life and income to identify the reasons for overdue, and urge them to repay as soon as possible. Organizations where the borrower village (neighborhood) or unit supervision and co-borrower repayment. In addition, the establishment of non-compliance reporting mechanism. The default rates of college students to the region’s colleges and universities to inform; default rates of students by students to inform the region’s cities and counties (cities, districts) educational administration department. Nanning-funded Management Office reminds students to apply for student loans students, in order to prevent their own personal credit history wiped away the stain left behind,home loans, remember in time to the authorities to update their basic information and contact information, to fulfill the contract loans repayment obligations, the timely and full repayment.

Nanning this year, 13,000 poor students to rely on student loan dreams

Nanning students credit student loans extended to a maximum loan-to-six thousand

It is understood that students credit student loans on an annual application, approval and payment, the maximum credit per person in 6000. Term of the loan principle, according to the specialist academic full-time plus 10 years to determine the shortest of not less than five years, no more than 14 years. Of student credit student loans for the credit, students and parents as co-borrower, repayment of shared responsibility. Loan interest income year on year, students in the school’s financial interest in full by the discount, the interest after graduation by students and parents share the burden.

loans to maturity, a handful of students Borrower fails to repay student there how to do it? Universities must take practical and effective means of reminding and urging students to timely repayment of overdue loans.

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student loans to help poor students complete their studies, but after how to do credit monitoring? County Financial Assistance is responsible for periodically (at least once per semester) and student loans, student contact and family communication about student borrowers, employment and income situation, the formation of contact records and entry of student loan management system.

Guangxi College Student Loan Program simplifies the application process

Xiamen pilot since 2009,home loans, the government together to explore the financial institutions for the landless farmers launched the family life difficult for old people can not spend a penny on

life difficult to break the land of farmers can not afford the insurance issue, Jimei District Government during the preliminary investigation on the basis of selection at the end of 2009 after the Town, Jimei District, after the village to carry out the worry-free After the pilot’s specific approach to the village: from individuals to Xiamen Rural Credit Cooperatives loans, the town earmarked for financial security, pension payments to the insured. The repayment period for 5 years or 8 years, 8 years if the monthly pension you can get 751 yuan, 551 yuan for the repayment of which, net of repayment of the money, they can withdraw 200 yuan per month as living expenses . Moreover, with the average annual wage adjustments to improve the community, this pension will be increased year by year. If the insured person died in the repayment period, you can get 4000 yuan funeral expenses, the debt will be the Government.

from the pilot to promote the compensation is relatively low, and the compensation of landless peasants is almost spent, many people find it difficult to raise such a large sum insured gold. Personal investment in gold to pay the insured population, the main beneficiaries of government subsidies are well-off family land in rural areas, in particular, subsidies for needy families need to take it because no self insured, and thus do not enjoy preferential treatment in government .

, the land has been taken means that some farmers to become The Xiamen launch of the The model to solve the problems of landless peasant family life issues, welcomed by the local people.

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district of Xiamen to promote the the age up to 60 years only, while Xiamen is introduced over the age of 60 may participate; followed by the interest rate on the breakthrough, the benchmark interest rate and credit unions to provide loans to the insured, the insured part of town finance to provide a benchmark interest rate 10% discount; Third, the introduction of area security company for the landless peasants secured lender in the event of an accident, the company will guarantee the rest of the money back to credit unions, not only to defuse the risk of loans, lenders also eliminated to worry about. In addition, the credit window will be moved forward for the landless peasants on-site service, apply for loans from the company accounts to Social Security funds to only four days, greatly facilitate the villagers.

will work harder to learn, in order to better lay a solid foundation of social return.

for the majority of students and parents to keep abreast of relevant information, make full use of territorial waters Linshui schools, two middle schools, blackboard, bulletin boards, radio stations, newspaper, media and other means of publicity, to third year students and parents in the payment of the students exempt from the worries, warm the hearts of the poor students.

Linshui Management Center Student Financial arrangements for the process of science, design application forms accepted – Audit certificates – issued a draft contract – issued a formal blank contract – a contract – completing a single receipt – information into other programs, and develop a detailed comprehensive, easy to understand instructions and fill in the workflow description, the Student Financial Management Center posted prominently in the public and not the location bar. Linshui also implement the loans as long as the formalities are complete you can directly sign contracts, do not allow students to and from credit unions to finance management center and other places back and forth, saving processing time for the students, really convenient for students and parents.

to let people truly helping the poor working tube, tube well,home loan, Linshui Education Student Financial Assistance Management Center, the unified management of territories within the college credit student loans students receive, investigate and issuance of work . Students to student loans without property collateral, where Linshui residence of college students and new school for poor students, with proof of family financial difficulties, college admission letter, identity card, residence booklet and other related documents, student financial assistance to the county can management center for the relevant procedures, poor students each year up to 6000 yuan loans, loan term up to 14 years.

we encountered a real case, this case inspired me: If you are a rich man, a good few million dollars in bank loans, instead of early repayment, as with the early repayment of the money to finance planned investment trust carefully calculate really earn a lot of money.

real case: the customer Zhang, in the south loan to buy a house, the loan amount of 300 million loan interest of 7%, and finally Mr. Zhang hopes to cobble together $ 3 million one-time payment, do not want to then owe the bank money. Mr. Chang asked whether or not we found more than 7 percent investment return investment channels, then Trust Bank is a financial planning agency, 3-year annual revenue 13 percent, Mr. Zhang estimates if you buy this to the loan, the annual profit of $ 180,000, three years is 540,000 yuan, 540,000 yuan is actually borrow this money in the bank for their own profit. Loan interest expense has not only failed to get a better profit, this is a true case of high-end people have more opportunities to gain additional revenue with the bank.

brief summary:

First, if the income exceeds the cost, the program can perform the same 300 million when the financial benefits outweigh the cost of borrowing, this plan can pay into practice the (if the loan is 100 million, you can trust with one million yuan in financial management);

two, and now, central bank reserve under the premise of continuous improvement in bank lending is very difficult So,home loan, be sure to get the treasure has been and loans with the operation can only: 1, private equity finance; 2, the trust set financial plan, and these two types of financial management must be linked to a specific investment direction, and to indicate the expected fixed income, of course, must not investment capital market. Text / Pu Xuan

Since 2005 , China has promulgated a series of policies to control the real estate market , the main policies : < / p>

2005年4 30,home loan, issued Main contents are: to increase the supply of ordinary residence , the tax increase second-hand housing transaction costs, non- ordinary residential transactions and the holding period of less than 5 years of general residential transfer levied a 5% sales tax . Goal is to curb real estate speculation , housing prices stabilize .

2007年8月 7, the State Council issued CBRC issued standards.

⊙ Yin Zhongli

2010 years, on three occasions for the introduction of control policies on the real estate market . January 10, 2010 , the State Council issued One is to increase affordable housing and effective supply of common commercial housing ; 2 is a reasonable guide housing consumption to curb speculative investment in housing demand , increase the differential enforcement of credit policy , continue to implement the differentiation of the housing tax policy ; third is to strengthen risk prevention and market supervision , strengthen the real estate credit risk management; Fourth, accelerate the construction of affordable housing projects , and strive to the end of 2012, 15.4 million to basically solve the housing problems of low-income housing ; Fifth, the implementation of the local people’s government responsibility.