近日，财政部、教育部、人民银行、银保监会联合印发《关于进一步完善国家助学贷款政策的通知》。

 

Undergraduate students can apply for a maximum of 12,000 yuan in loans per person each year starting from this fall semester, according to the notice. Postgraduate¹ students can apply for up to 16,000 yuan each year, up from 12,000 yuan, the notice said.

通知明确，自今年秋季学期起，全日制普通本专科学生每人每年申请贷款额度提高至不超过1.2万元；全日制研究生则由不超过1.2万元提高至不超过1.6万元。

 

财政部部长助理欧文汉介绍，

 

国家助学贷款（national student loans）为信用贷款（credit loans），不需要抵押（mortgage）或担保（guarantee），大学生可自主选择贷款地点，既能在家门口办理生源地助学贷款，也可以到学校报到的时候办理校园地助学贷款。在校期间，学生的贷款利息全部由财政补贴（interest of student loans will be covered by subsidies² during their school years）。

 

Students do not need to pay the principal or interest while they are still in college and can apply for a five-year probation³ period after graduation, during which they only pay the interest.

在校期间，学生无需还本金或利息，毕业后还可申请5年的还本宽限期，还本宽限期内只需还息无需还本。

 

财政部科教和文化司司长黄家玉表示，

 

政策规定的国家助学贷款额度是指每个学生每年最多可以贷到的钱（the maximum amount of student loans），是一个限额，不是固定的数额。

 

Within this limit, loan applicants⁴ can decide their borrowing amount based on the amount of money they need for tuition and accomodation, and financial situation of their family.

学生可以根据自己每年需要缴纳的学费、住宿费及家庭经济状况等因素，在额度范围内自主确定。

 

财政部部长助理欧文汉介绍，

 

Different forms of financial aid to college students totaled 124.4 billion yuan last year, benefiting 36.78 million students.

2020年，全国各项高等教育学生资助政策共资助学生3678万人次，资助资金1244亿元。

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