Although he is over fifty years old, he is still full of energy. When interviewed by various media, he is always willing to answer questions about the student financial aid policy.
To apply for a student loan, first calculate the economic account.
After children from poor families are admitted to universities, will applying for national student loans increase the heavy family burden? Ma Jianbin's answer was categorical, "No".
He took the undergraduate students who just entered the school this year as an example and calculated an economic account for everyone. "During the four-year undergraduate study, the annual loan ceiling is 8,000 yuan. Within 36 months after graduation, you only need to repay about 150 yuan interest every month. After that, it will enter the repayment period, and the total amount to be repaid every month in the first year will be around 400 yuan; Since the second year, because the principal and interest are decreasing year by year, the monthly repayment amount is less than 400 yuan. "
Everything must be done in detail. The reason why students apply for national student loans will not burden poor families is because the state has made five considerations when designing this subsidy policy.
Ma Jianbin said, first, the loan amount is determined by comprehensively considering the actual needs and repayment ability of students. Undergraduate students do not exceed 8,000 yuan per year, and graduate students do not exceed 1.2 million yuan per year. Second, the borrower does not have to bear interest during his study, and is fully subsidized by the finance. After graduation, you can continue to enjoy full financial benefits during your degree study. Three, the repayment period of more than ten years, the national student loan period is determined according to the number of years of study plus 13 years. Fourthly, considering the low income of those who applied for loans when they just graduated, there is a grace period of 36 months to repay the principal, during which they can only repay the interest and suspend the repayment of the principal. Fifth, for graduate borrowers who are temporarily unable to repay, start a rescue mechanism to compensate their principal and interest; For fresh graduates who are employed in grass-roots units, college students who perform compulsory military service or are directly recruited as noncommissioned officers, the national student loan compensation will be given for one academic year.
See through the means of murder for money under the guise of goodwill
In recent years, every college student suicide caused by bad "campus loans" has touched the nerves of the whole society. "Bad' campus loan' is not a subsidy measure, but a fraud trap for killing people." Ma Jianbin hit the nail on the head and pointed out that the essence of "campus loan" is usury and the reality of fraud and extortion under the guise of goodwill.
He said that bad "campus loans" are not loan products issued by formal financial institutions to college students, but temporary loans issued by individual bad peer-to-peer lending platforms, enterprises, organizations and even individuals, which often induce students to over-consume by means of false propaganda, lowering the loan threshold and concealing the actual tariff standards. The survey found that "campus loans" are often used for high consumption or so-called entrepreneurship, and no one was found to borrow money because of difficulties in paying tuition and living expenses.
During the university period, students who have difficulties in paying tuition and accommodation fees can apply for student loans; Those who have difficulties in living expenses can apply for state grants and work-study programs. "Even if the family is in difficulties, the state will guarantee the poor students to enter school smoothly and complete their studies." Ma Jianbin emphasized that the national student loan is a loan led by the government, subsidized by the government and handled by relevant financial institutions, specifically for students with financial difficulties.
In recent years, the media also reported several telecom fraud incidents every year. At present, college enrollment is in full swing, and scammers try their best to cheat. Ma Jianbin emphasized that no matter which unit or individual provides financial assistance to students, students will not be required to inform them of their ID number, bank card number, mobile phone verification code and other information on the phone, nor will they be required to pay any fees or operate at ATM machines or online banks. If there are similar requirements, it can be concluded that they are basically scams.
Ma Jianbin said that in terms of preventing telecom fraud, the public security department has summarized six "all-in-one, eight-in-one" anti-fraud books, which are well summarized and must be kept in mind. "six uniforms", that is, as long as the bank card is mentioned, it will be hung up; As long as you say you won the prize, you will all hang up; As long as it involves the "Telephone Transfer Public Prosecution Law", it will be hanged; All short messages will be deleted if you click on the link; Links sent by people you don't know on WeChat will not be clicked; When it comes to "safe accounts", it's all fraud. "8 whatevers", that is, those who claim to request remittance according to the public security law; Anything that lets you remit money to a "safe account"; Anyone who informs you of winning the prize requires you to pay in advance to receive the prize; Anyone who informs "family members" of an accident must remit money first; Anyone who asks for bank card information and verification code on the phone; Who asked you to open online banking for inspection? Anyone who claims to be a leader and asks for remittance; Any unfamiliar website should register bank card information.
The student financial aid policy warms people's hearts and helps poor families get rid of poverty with high quality.
The new national student financial aid policy system has been implemented for more than ten years. Talking about the "initial intention" of implementing this policy, Ma Jianbin said that "not letting a student drop out of school because of family financial difficulties" and promoting educational equity and social equity are not only the solemn commitments made by the party and the government to the society, but also the "initial intention" of all students to help workers.
The report of the 19th National Congress put forward "the strategy of strengthening the country through education" and "the strategy of strengthening the country through talents". "The proportion of students from poor families in China is around 20%, which is higher in the west and lower in the east. We must help the children of these poor families to receive higher education, improve their scientific and cultural quality and master a skill, so as to improve their self-development ability and achieve stable and high-quality poverty alleviation. " Ma Jianbin said.
"At present, the proportion of students from poor families in China is relatively high. It is necessary to solve the possible dropout and dropout problems of these students through bursaries, and improve the enrollment rate and consolidation rate. " Ma Jianbin believes that doing a good job in student financial assistance is also an important foundation for accelerating the modernization of education.
Ma Jianbin said that in the new era, doing a good job in student financial assistance is an urgent need to build a strong country with human resources. Building a strong country with human resources and improving the physical, scientific and cultural qualities of all citizens is the premise, which is closely related to student financial assistance. "If there is no national student financial aid policy, students from poor families may not be able to eat or eat, may lose the opportunity of school education, and cannot improve their cultural level, so they cannot build a strong country with human resources." Doing a good job in student financial assistance is also an inevitable requirement for building a well-off society in an all-round way. In Ma Jianbin's view, student financial aid is a warm and warm undertaking.
Source phoenix. com