recent days

"Chengdu housing provident fund monthly withdrawal.

Housing provident fund repays the principal and interest of individual housing loans.

Management related regulations "

(hereinafter referred to as the "Regulations")

Revision and issuance

Revised "Regulations"

Implemented on October 8, 2023.

Valid for 1 year

Relevant provisions on the management of monthly withdrawal of housing provident fund from Chengdu housing provident fund to repay the principal and interest of individual housing loans

First, the applicable object

Workers who have paid the housing provident fund in Chengdu Housing Provident Fund Management Center (hereinafter referred to as Chengdu Provident Fund Center) have applied for housing provident fund personal housing loans (hereinafter referred to as provident fund loans) and commercial personal housing loans (hereinafter referred to as commercial loans) and repaid the loan principal and interest on a monthly basis, and can apply to Chengdu Provident Fund Center for monthly withdrawal of housing provident fund to repay the personal housing loan principal and interest (hereinafter referred to as monthly repayment).

Second, the way to achieve

Eligible paid employees can sign the Service Agreement on Monthly Withdrawal of Housing Provident Fund to Repay the Principal and Interest of Individual Housing Loans (hereinafter referred to as monthly withdrawal agreement or agreement) with Chengdu Provident Fund Center, and realize monthly withdrawal and repayment of loans through direct withdrawal of principal and interest or quota withdrawal.

(1) Direct payment of principal and interest

Direct principal and interest is applicable to the provident fund loan of Chengdu Provident Fund Center (excluding Ziyang Minsheng Village Bank).

Direct payment of principal and interest means that the Chengdu Provident Fund Center deducts the principal and interest of the provident fund loan that should be repaid in the current period from the available amount of the housing provident fund deposit account opened by the deposit workers in Chengdu Provident Fund Center in the current month, and the difference that the available amount is insufficient to be deducted is deducted from the entrusted deduction account (hereinafter referred to as the personal loan repayment account) agreed by the borrower when handling the loan.

(2) Quota extraction method

Quota withdrawal is applicable to other personal housing loans, including provident fund loans from Chengdu Provident Fund Center (limited to Ziyang Minsheng Village Bank), provident fund loans from other provident fund centers, and commercial loans (including discount loans from public developers).

Quota withdrawal means that Chengdu Provident Fund Center will withdraw the monthly withdrawal amount agreed in the agreement (hereinafter referred to as the agreed withdrawal amount) from the available amount of the housing provident fund deposit account opened by the paid employees in Chengdu Provident Fund Center in the current month to the bank account agreed in the agreement (hereinafter referred to as the withdrawal account):

1. Extract the collection account. Withdraw the repayment funds on a monthly basis and transfer them to the normal Class I bank savings account opened by the employee himself in the cooperative bank of Chengdu Provident Fund Center or the digital RMB wallet account that meets the requirements. Among them, the paid employees who repay the commercial loans of the cooperative bank of Chengdu Provident Fund Center and hold a personal loan repayment account can transfer the withdrawal funds to the personal loan repayment account.

The cooperative banks of Chengdu Provident Fund Center can inquire through the publicly available List of Banks for Online Inquiry of Commercial Loan Information.

2. Agreed withdrawal amount. Deposited employees agree that Chengdu Provident Fund Center obtains information such as total loan amount, loan period, repayment method, loan start date, loan end date, remaining loan principal and interest, basic interest rate of commercial loans, etc. (regardless of factors such as interest rate adjustment and interest rate difference) according to interconnection, and calculates the remaining loan principal and interest amount through the business system of Chengdu Provident Fund Center and determines the agreed withdrawal amount. Deposited employees have objections to the agreed withdrawal amount, which shall be handled offline with reference to Article 5 (2) of these Provisions.

Third, the application conditions

When the paid employees meet the following conditions at the same time, they may apply for monthly repayment:

(a) during the repayment of the loan, and the loan has not been settled, the deposit employee is the owner of the house purchased by the loan or the spouse of the owner.

(2) There are no cases such as unfinished withdrawal, pre-receipt registration, and the judicial freeze has not been lifted, and it has not been included in the bad behavior registration of Chengdu Provident Fund Center.

(3) The paid employees have no other housing consumption withdrawal business within a natural year, except for the withdrawal of the loan principal and interest for the same set of housing.

(4) There is no agreement on entrusted withdrawal of Chengdu housing provident fund or agreement on entrusted withdrawal of Chengdu housing provident fund quota (hereinafter referred to as "annual entrusted withdrawal agreement") or monthly withdrawal agreement.

(five) in accordance with the "Chengdu housing provident fund extraction management measures", "Chengdu housing provident fund extraction management implementation rules" and other relevant provisions.

Four, the provisions of the contract loan

(1) The individual housing loans paid to employees with multiple sets of self-occupied housing are not settled, and if there is a provident fund loan from Chengdu Provident Fund Center, priority should be given to the provident fund loan from Chengdu Provident Fund Center for monthly repayment.

(2) If the paid employees choose the combined loan of Chengdu Provident Fund Center to sign a monthly withdrawal agreement, the provident fund loan will be paid directly to the principal and interest, and the commercial loan will be paid in a fixed amount, and the monthly available amount will be given priority to the direct payment of the principal and interest.

(3) If the deposited employees have signed the original annual entrustment withdrawal agreement, they can choose to continue the implementation according to the original regulations and the agreement, or they can choose to terminate the annual entrustment withdrawal agreement and sign a new monthly withdrawal agreement.

If there are two or more people in the same house who meet the extraction conditions, the selection of repayment extraction methods and the types of extraction agreements signed should be consistent.

V. Application materials and handling methods

(1) Online processing

Eligible paid employees can apply for, check and confirm the signing information through the "Chengdu Housing Provident Fund" APP, and complete the monthly loan repayment signing.

The borrower or spouse of the provident fund loan of Chengdu Provident Fund Center (excluding Ziyang Minsheng Village Bank) and the main borrower or spouse of the commercial loan of Chengdu Provident Fund Center cooperative bank can apply online.

(2) Offline handling

Eligible paid-in employees shall provide authentic, legal and effective originals of the following materials and apply for monthly repayment in the service hall of Chengdu Provident Fund Center. Chengdu Provident Fund Center will keep electronic images of relevant business materials.

1. Proof of identity and marriage:

(1) If the deposit employee is the principal borrower, provide his/her identity certificate.

(2) If the deposit employee is from co-borrower, he/she shall provide his/her identity certificate and that of the principal borrower.

(3) If the deposit employee is not co-borrower, but the spouse of the principal borrower, he/she shall provide his/her identity certificate, the identity certificate of the principal borrower and marriage certificate.

(4) If the paid employee is not co-borrower but co-borrower’s spouse, he/she shall provide his/her identity certificate, spouse’s identity certificate, marriage certificate and main borrower’s identity certificate.

2. Repay the provident fund loan of Chengdu Provident Fund Center (excluding Ziyang Minsheng Village Bank) without providing other materials.

3. If the loan of Chengdu Provident Fund Center (limited to Ziyang Minsheng Village Bank) and the commercial loan of Chengdu Provident Fund Center cooperative bank are repaid, the withdrawal account shall be provided according to Article 2 (2) of these Provisions.

4 to repay other personal housing loans, provide:

(1) Loan contract/loan contract (if the loan repayment business has been handled after November 1, 2017, the loan contract/loan contract can no longer be provided when the same house is used for monthly repayment);

(2) Personal loan repayment account flow (showing the latest deduction record);

(3) Providing withdrawal account according to Article 2 (2) of these Provisions;

(4) Chengdu Provident Fund Center will verify the authenticity of the loan through the platform of Yinzhengtong and the personal credit information system of China People’s Bank. If it is verified through the Yinzhengtong platform, the main borrower needs to sign the authorization agreement on the spot. If the main borrower belongs to the paid employee of Chengdu Provident Fund Center, it can be authorized online through the "Chengdu Housing Provident Fund" APP; If it is verified by the personal credit information system, the principal borrower shall sign the credit information inquiry authorization on the spot.

5. If the loan information, housing information and personal loan repayment account inquired through interconnection are incomplete and inaccurate, or the deposit employees have objections, or the non-cooperative banks cannot inquire about relevant information through interconnection, which affects the business audit and data confirmation, the deposit employees shall provide the corresponding original supporting materials.

6. If the housing purchased by the loan is outside the mutual recognition area announced by Chengdu Provident Fund Center, it is also necessary to provide the household registration certificate or work place certificate of the paid employee or spouse.

7. When handling business at the counter, the spouse can act as an agent, and at the same time provide the agent’s identity certificate and the original marriage certificate. If it is necessary to verify the authenticity of the loan through the personal credit information system, only the main borrower can do it for his spouse. If the principal and interest are paid directly, the spouse can do it on behalf of the paid employee after handling the entrusted registration through the "Chengdu Housing Provident Fund" APP or providing a notarized power of attorney.

VI. Implementation of the Agreement

(1) If two or more paid employees sign the same loan, it will be executed in the order of signing time by default.

(2) If the fixed withdrawal method is adopted, Chengdu Provident Fund Center can calibrate the agreed withdrawal amount through cooperative banks’ push information, bank-Zhengtong platform inquiry and manual verification.

(three) paid workers and Chengdu provident fund center signed a monthly withdrawal agreement, and within the validity period, shall not handle other housing consumption withdrawal business.

VII. Alteration of Agreement

(1) Select the change of collection account.

During the validity period of the monthly withdrawal agreement, if it is necessary to change the withdrawal account, the signatory shall go through the change formalities at the counter, and the spouse may act as agent. If I handle it, I will provide the original ID card and my bank account; If the spouse acts as an agent, the original identity certificate and marriage certificate of the agent shall be provided at the same time.

Chengdu Provident Fund Center will keep the electronic images of the business materials and issue the agreement change certificate.

(2) Selection order change

There are multiple monthly repayment contractors for the same loan, and if the withdrawal order needs to be changed, all the contractors must go to the counter at the same time, and the spouse can act as agent. If I handle it myself, I will provide the original identity documents of all the signatories; If the spouse acts as an agent, the original identity certificate and marriage certificate of the agent shall be provided at the same time.

Chengdu Provident Fund Center will keep the electronic images of the business materials.

VIII. Termination of the Agreement

(1) The monthly withdrawal agreement shall be automatically terminated in the following circumstances:

1. If the principal and interest are paid directly, the remaining loan principal and interest payable shall be zero.

2. If the fixed withdrawal method is adopted, the accumulated withdrawal amount is equal to the remaining repayable loan principal and interest amount of the loan at the time of signing, or after the month following the agreed loan termination time has been withdrawn according to the agreement.

(II) During the validity period of the agreement, the signatory can terminate the agreement through the "Chengdu Housing Provident Fund" APP or go to the service hall of Chengdu Provident Fund Center to apply for termination of the agreement. If I apply for termination of the agreement at the counter, I shall provide the original identity certificate; If the spouse acts as an agent, the original identity certificate and marriage certificate of the agent shall be provided at the same time.

Chengdu Provident Fund Center will keep the electronic images of the business materials and issue the agreement termination certificate.

(3) Chengdu Provident Fund Center has the right to unilaterally terminate the monthly withdrawal agreement under any of the following circumstances:

1. The contractor is included in the bad behavior registration of the provident fund center.

2. The signatory is determined in the divorce agreement or the effective legal documents that he is no longer the owner of the house or no longer undertakes the repayment obligation, or the signatory is no longer the owner of the house, or the spouse of the owner of the house, or does not meet the extraction conditions.

3 national, provincial, municipal or Chengdu Provident Fund Center policies and regulations change, and the monthly repayment business is suspended.

IX. Other matters

(a) the balance of the employee housing provident fund account should be kept at least in 1 yuan. Before the deduction date of each month, the employees who signed the deposit contract should pay attention to the available amount and ensure that the balance of the personal loan repayment account meets the loan repayment amount of the current month to avoid loans overdue.

If the monthly housing provident fund fails to arrive on time or the available amount is insufficient due to reasons such as the housing provident fund is not remitted and credited in time, bank payment settlement, etc., the borrower shall timely deposit in the personal loan repayment account funds not less than the loan principal and interest payable in the current period.

If loans overdue is caused by the borrower’s failure to deposit funds in full and on time, the borrower shall bear the responsibility.

(II) Matters not covered in these Provisions shall be implemented with reference to the Measures for the Administration of the Withdrawal of Chengdu Housing Provident Fund and the Detailed Rules for the Implementation of the Administration of the Withdrawal of Chengdu Housing Provident Fund.

(three) the relevant management regulations or handling channels, inquiry channels, etc., shall be adjusted.

(4) The Chengdu Provident Fund Center shall be responsible for the interpretation of these Provisions.

(five) these Provisions shall come into force as of October 8, 2023, and shall be valid for one year.

Why should the Regulations be revised?

Applicable object of "monthly repayment"

And how to realize it?

Monthly withdrawal agreement

Can it be changed or terminated early?

Signed annual withdrawal agreement

Continue to take effect?

Here comes the interpretation.

Revision background

Since October 8, 2021, Chengdu Provident Fund Center’s monthly loan repayment business has been put into operation. Through two different processing modes of "straight principal and interest" and "fixed withdrawal", it has taken the lead in realizing the full coverage of individual housing loans in the industry by interconnecting with financial information platforms such as cooperative banks and banking-government-communication platforms. Employees who have paid off provident fund loans, commercial loans and portfolio loans can withdraw housing provident fund to repay loans on a monthly basis, effectively reducing the repayment of individual housing loans by paid employees. The relevant regulations on the management of monthly withdrawal of housing provident fund from Chengdu housing provident fund to repay the principal and interest of individual housing loans (Trial), which has been implemented for supporting business, is about to expire. In order to further improve the service experience of paid employees in withdrawing and using housing provident fund, and ensure the standardization, continuity and effectiveness of business operation, it is necessary to revise and improve the relevant regulations on the management of monthly repayment of loans.

hot-button issue

ask

What are the applicable objects and specific implementation methods of "monthly repayment"?

Answer: If employees are deposited in Chengdu Provident Fund Center and have applied for individual housing loans, they can apply to Chengdu Provident Fund Center for monthly withdrawal and repayment during the period of monthly loan repayment. Personal housing loans include provident fund loans, commercial loans, combined loans of provident fund loans and commercial loans.

There are two ways to realize monthly loan repayment: "straight principal and interest" and "fixed withdrawal".

ask

What is the scope of application of "straight principal and interest" and "fixed withdrawal"?

Answer: 1. "Direct payment of principal and interest" means that Chengdu Provident Fund Center deducts the principal and interest of provident fund loans that should be repaid by paid employees in the current period from the provident fund account on a monthly basis, and the difference that is insufficient to be deducted is deducted from the entrusted deduction account agreed by the borrower when handling the loan.

This method is applicable to the provident fund loan of Chengdu Provident Fund Center (excluding Ziyang Minsheng Village Bank).

2. "Fixed withdrawal" means that Chengdu Provident Fund Center transfers the withdrawal amount agreed upon in the agreement from the employee provident fund deposit account to the bank account agreed upon in the agreement on a monthly basis.

This method is applicable to other personal housing loans, including provident fund loans from Chengdu Provident Fund Center (limited to Ziyang Minsheng Village Bank), provident fund loans from other provident fund centers, and commercial loans (including discount loans from public developers).

3. For the monthly repayment of the combined loan of Chengdu Provident Fund Center, the part of the provident fund loan is realized by "straight principal and interest" and the part of the commercial loan is realized by "fixed withdrawal".

ask

What are the "fixed withdrawal" collection accounts?

Answer: 1. If the commercial loan of Chengdu Provident Fund Center Cooperative Bank is repaid by monthly withdrawal, and the deposit employee is the cardholder of the entrusted deduction account, the withdrawal funds can be transferred to the entrusted deduction account.

2. Other paid employees who meet the conditions of "quota withdrawal" will withdraw the repayment funds on a monthly basis and transfer them to my normal Class I bank savings account or a digital RMB wallet account that meets the requirements. If the employee has signed the card, the withdrawal funds will be transferred to my signing card.

3. Deposited employees can check the list of cooperative banks through the List of Banks for Online Inquiry of Commercial Loan Information published by Chengdu Provident Fund Center official website and other channels.

ask

What are the conditions for signing a monthly withdrawal agreement?

Answer: 1. The paid employee is the owner of the house purchased by the loan or the spouse of the owner, and the housing loan has not been settled.

2. There is no unfinished withdrawal business, pre-receipt registration, judicial freeze, etc. in the employee provident fund account, and I am not included in the bad behavior registration of Chengdu Provident Fund Center.

3. Deposited employees have not handled other housing consumption extraction business within a natural year, including purchase, construction, renovation, overhaul of self-occupied housing extraction, repayment of principal and interest of non-local housing loans, and rental extraction.

4. Deposit the annual withdrawal agreement or other monthly withdrawal agreement that the employee has not effectively implemented.

5. The address of the house should be consistent with the prefecture-level administrative region where the employee or spouse is registered or works, except that the purchased house is in the mutual recognition area announced by Chengdu Provident Fund Center.

ask

When can I sign a monthly withdrawal agreement after paying the employee for personal housing loan?

A: After the provident fund loan is issued, or the commercial loan is repaid for one month, it can be processed if it meets the signing conditions.

ask

Can the deposit balance included in the calculation of provident fund loan amount be used to direct the principal and interest?

A: Yes.

ask

What are the ways to sign a monthly withdrawal agreement?

A: There are mainly online and offline processing methods.

Eligible paid employees can apply for self-service online through the "Chengdu Housing Provident Fund" APP; If you can’t get the relevant information accurately online, you need to apply for it at the counter. When going offline for counter handling, the employees who pay the deposit shall provide proof materials according to Article 5 of the Provisions on the Administration of Withdrawing Housing Provident Fund from Chengdu Housing Provident Fund on a Monthly basis to Repay the Principal and Interest of Individual Housing Loans.

ask

After the overpaid employees sign the monthly withdrawal agreement, in what order will they be deducted or withdrawn?

Answer: If two or more employees pay the signing and withdrawal agreement for the same loan, it will be deducted or withdrawn in the order of signing time by default. If it belongs to the combined loan of Chengdu Provident Fund Center, it will give priority to the principal and interest of the provident fund loan.

ask

Can the monthly withdrawal agreement be changed or terminated early?

A: Yes. The agreement change is limited to the change of the order of the collection account and the drawer.

Deposited employees can apply for early termination of the agreement through the center "Chengdu Housing Provident Fund" APP within the validity period of the monthly withdrawal agreement.

ask

After signing the monthly withdrawal agreement, as long as the balance of the provident fund account is sufficient, is it unnecessary to deposit money in the repayment card?

Answer: In order to avoid the failure to withdraw the housing accumulation fund in full as agreed in the agreement due to reasons such as the failure to remit and record the housing accumulation fund in time and the abnormal payment and settlement by the bank, loans overdue will be generated. It is suggested that the paid employee or borrower deposit the repayment amount of not less than one month in the repayment card in advance. It should be noted that the balance of the employee provident fund account should be kept at least in 1 yuan.

ask

Will the annual withdrawal agreement signed at present continue to take effect?

A: Yes. If the paid employees have signed an annual withdrawal agreement and have not terminated the agreement, they can continue to implement it according to the agreement, or they can choose to change the annual withdrawal agreement into a monthly withdrawal agreement according to the actual situation.

Original title: "Implemented on October 8! It is related to the monthly withdrawal of Chengdu provident fund.

Read the original text

CCTV News:The 14th National Games, which lasted for 13 days, came to an end on the evening of September 27th, and the closing ceremony was held in Xi ‘an Olympic Sports Center Gymnasium. The handover ceremony of the National Games flag was held at the closing ceremony. Four years later, the 15th National Games will enter Greater Bay Area and be jointly hosted by Guangdong, Hong Kong and Macao. On the other hand, the art exhibition is based on the theme of "dreaming and forging ahead", which is divided into five parts: celebration, applause, making waves, progress and blessing. Looking back at the National Games, more than 12,000 athletes struggled hard and dared to surpass. Some people met their better selves and continued to write about the wonderful Olympics. Some people found new goals and looked forward to the future.

More than 12,000 athletes participated in more than 12 world records.

More than 12,000 athletes participated in the 14th National Games, and they competed in 35 major events and 410 minor events. Among them, weightlifting, table tennis and other traditional advantageous events in China still show super-high competitive level, and the champion scores of 17 events exceed those of the Tokyo Olympic Games. On the whole, compared with the 13th National Games, the athletic performance of this National Games has risen steadily, surpassing 12 world records, setting 2 Asian records and 24 national records, and the number and items that have surpassed world records and national records have all improved.

"The National Games is Difficult for the Olympic Games" weightlifting venues frequently achieve good results.

Earlier reports said: "For China table tennis and weightlifters, it is even more difficult to compete in the National Games than the Olympic Games." Indeed, in the weightlifting field of the National Games, in the women’s 49kg class competition, Hou Zhihui, the champion of Tokyo Olympic Games, won the championship with a total score of 214kg, which was 4kg higher than her performance in winning the championship in Tokyo. However, such excellent performance only allowed her to narrowly beat her opponent Jiang Huihua. In the men’s 73kg final, Shi Zhiyong, the Olympic champion from Zhejiang team, won the championship with a total score of 365kg, breaking the world record.

"Fairy Fight" table tennis competition is fierce.

Like the weightlifting arena, the table tennis arena of the National Games is also a "fairy fight". In the last two finals of table tennis on 26th, Manyu Wang Che Xiaoxi won the women’s doubles title, and Fan Zhendong won the men’s singles title in the National Games. In this way, Fan Zhendong won the men’s singles and men’s team double gold medals, while Manyu Wang monopolized the women’s singles, women’s doubles gold medals and mixed doubles silver medals.

Wang Shun: Won 6 gold medals in a single session to achieve the gold medal "15 yuan"

Go beyond yourself in the past and pursue a better future. On the 24th, in the men’s 200m individual medley final, Wang Shun, the champion of this event in Tokyo Olympic Games, won the third consecutive championship in the National Games, and won the sixth gold medal in this National Games. The total number of his individual gold medals in the National Games also rose to a record 15. Facing the future, this swimmer who has experienced three Olympic Games and three National Games is full of confidence.

Wang Shun:I think as long as I have enough love, I will have the motivation to go on.

Youth storm teenager generate’s strength hits the world record

At the National Games, many teenagers, generate, challenged the Olympic champion and hit the world record. In the women’s 10m air rifle competition, Wang Zhilin, a 17-year-old Zhejiang teenager, won the championship with a score of 253.3, 0.4 higher than the world record. Zhang Tianqi, a 22-year-old Hubei teenager, and Yang Qian, a 21-year-old Tokyo Olympic champion, were ranked second and third respectively.

Multi-point arrangement for the whole people to participate in mass competitions

Mass sports is the foundation of the national movement, national participation and the construction of a sports power. The mass events of the 14th National Games have set up 19 major events and 185 minor events, leading everyone to participate in national fitness, laying a solid mass foundation and building a healthy foundation for the construction of a sports power.

　　Coiled steel products waiting for shipment in Caofeidian Port Area of Tangshan Port, Hebei Province. In recent years, Hebei has deepened the "streamline administration, delegate power, strengthen regulation and improve services" reform, the business environment has been greatly improved, and the development of enterprises has become more dynamic. Xinhua news agency

　　The person in charge of an enterprise in Hebei (left) received the first "multi-certificate integration" business license from the staff of Shijiazhuang Administrative Examination and Approval Bureau. Our trainee reporter Chen Yuanqiu photo/bright picture

　　The operator of the 961890 hotline in Handan is accepting people’s calls, and the decibel meter above the traffic area always reminds them to provide "gentle" service. Our reporter Chen Haibo photo/bright picture

　　Not only is the business environment in Yanzhao land getting better, but the ecological environment is also improving. The picture shows Jizhou District, Hengshui City, Hebei Province, strengthening the environmental management around Hengshui Lake and building the past saline-alkali land into an ecological park. Xinhua news agency

　　[New Era, New Weather and New Action]

　　The number of provincial-level administrative examination and approval items has been reduced from 1,495 to 474, and the proportion of internal organs of government agencies has been reduced by no less than 20%. "Internet+government services" has reduced the time for people to do things by 24%, and complaints from enterprises have been "promptly answered" … … This is the scene that the reporter saw in Hebei Province recently. Hebei province stimulates market multiplication by power subtraction and service addition, and constantly innovates in the transformation of government functions.

　　The report of the 19th National Congress of the Communist Party of China proposes to transform government functions, deepen decentralization, innovate supervision methods, enhance government credibility and execution, and build a service-oriented government that people are satisfied with. In recent years, Hebei Province insists on improving the business environment as an important starting point to promote economic transformation and upgrading, and continues to deepen the "streamline administration, delegate power, strengthen regulation and improve services" reform, effectively stimulating market vitality and social creativity.

　　"Wings of Birds" Helps Market Prosperity

　　On the morning of December 8, Li Suduan, a citizen of Shijiazhuang who had just finished his business, happily showed his business license to reporters in the service hall of Shijiazhuang Administrative Examination and Approval Bureau. In another week, her company can officially open.

　　"In the past, it was very troublesome for enterprises to apply for permits, filling out various forms, and saying that this was unqualified was unqualified. I didn’t expect it to be so fast now. The materials submitted the day before yesterday got the business license today. " Li Suduan opens the "Handheld Application" APP on his mobile phone, which is an exploration of "internet plus" in Shijiazhuang’s government service. You can APPly for a business license by uploading the electronic information to the app. "As long as I bring my ID card to the examination and approval bureau, and then sign my name on my mobile phone several times, I will get my business license."

　　The convenience that Li Suduan feels comes not only from "Internet+government services", but also from "integration of multiple certificates" and "reduction of certificates" to promote "simple administration". Since 2014, Shijiazhuang has implemented the "three certificates in one" on a pilot basis. After continuous integration, it has reached the "twenty-six certificates in one". At the end of February 2017, Shijiazhuang City Administrative Examination and Approval Bureau was established, and hundreds of administrative examination and approval items in the city were placed under the unified management of the bureau. "All integrated licenses will no longer be issued, with ‘ Reduce the certificate ’ Promote ‘ Simple administration ’ It is more convenient for enterprises to apply for certificates. " Li Peng, Director of Enterprise Registration Department of Shijiazhuang Administrative Examination and Approval Bureau, said.

　　"In the past, enterprises had to submit more than 20 kinds of materials and run more than 20 departments. Now you only need to submit a set of materials to the administrative examination and approval bureau, and the relevant filing and registration can be completed. " Han Yakun, window clerk of Shijiazhuang Administrative Examination and Approval Bureau, showed the reporter the integrated catalogue of 26 license items, involving more than 20 departments such as Tourism Commission, Transportation Bureau, Forestry Bureau and Wenguang New Bureau. “‘ Integration of multiple certificates ’ Its essence is information sharing and intercommunication among departments. We have set up a joint meeting mechanism of various departments, and strive to integrate all the licenses required for the establishment of enterprises, so that information can run more and people can run less errands. "

　　Broadening the scope of enterprises is the first step of market prosperity, and strengthening supervision and building a new law enforcement system are also the top priorities of market prosperity and order. On December 11th, in Shijiazhuang Industrial and Commercial Bureau, Zhao Junguo, director of the Credit Construction Division of the Bureau, showed the reporter the "Hebei Double Random and Double Informing Integrated System" in the computer. The system implements hierarchical management of inspection objects and law enforcement personnel, formulates a double random spot check plan, and carries out cross-departmental joint spot checks.

　　Lu Shuanzeng, deputy director of Shijiazhuang Industrial and Commercial Bureau, told the reporter that in the past, there were some drawbacks in the supervision of market entities by various departments, such as arbitrary law enforcement, willful law enforcement and selective law enforcement. Since the implementation of "double random and one open", due to the traceability of the inspection process, the fairness and justice of supervision and law enforcement have been guaranteed, and cross-departmental joint spot checks have also achieved a new situation of collaborative supervision. The number of inspections is reduced, and the burden on enterprises is greatly reduced. “‘ Double Random and One Open ’ Gradually lead the society to the construction of a credit system, rely on credit to supervise and rely on society to govern together. " Lu Zengzeng said.

　　Like Shijiazhuang, the administrative examination and approval bureaus of 9 cities and 110 counties (cities, districts) in Hebei Province have been formally established and put into operation. Moreover, the province has also promoted the reform of the publicity system of administrative law enforcement, the record system of the whole process of administrative law enforcement, and the legal review system of major law enforcement decisions to safeguard the legitimate rights and interests of enterprises. Forgiveness and strictness are compared to "the wings of a bird" by the local people. With the help of this "bird’s wings", the business environment in Shijiazhuang has been greatly improved, and the total number of market players has increased from 380,000 at the end of 2013 to about 805,000 at present.

　　Do a good job of service and attract "flowing water from the source"

　　It is necessary to let enterprises enjoy efficiency and convenience, but also let them feel respect and recognition. In recent years, Hebei Province has changed its work style and built a new type of relationship between government and business, so that market participants have a real sense of gain. This can be seen from Xingtai City, where investment attraction is in full swing and development is constantly attracting "flowing water from the source".

　　From Xingtai East Station in high-speed railway station, the most striking thing is a big sign with the names of the top 100 taxpayers in Xingtai. Behind this small move is great sincerity. "We have also included the top 100 taxpayers and legal representatives in Xingtai Yearbook to enhance the whole society’s sense of identity with entrepreneurs and entrepreneurship." Hao Lishuang, deputy director of Xingtai Investment Promotion Bureau, told reporters.

　　Of course, in order for enterprises to have more sense of acquisition and belonging, we must finally do a good job in service. Xingtai City adheres to the principle of "enterprises do things inside the wall and the government does things outside the wall", transforming government functions and optimizing the business environment. In order to be a good "nanny" for enterprises, they set up key enterprise service offices, and established a weekly visit system, a monthly meeting system, and a communication and coordination system for running into the province. Since the beginning of this year, we have solved 28 difficult problems such as land index, power supply and heating, and capital for 12 local enterprises such as Chaowei Battery and Yufeng Group, and won the trust of enterprises.

　　In this regard, Hao Lailong, the main person in charge of the Jingding Murad Biotechnology Industrial Park project in Julu County, Xingtai City, was deeply touched. This is a foreign investment project, which introduces the technology of Dr. Murad, winner of the Nobel Prize in Physiology and Medicine. "Xingtai China Merchants Bureau set up an investment project team to actively guide and help us with various preliminary procedures. Knowing that there is a lack of technical talents after the completion of the project, they actively promote the technical docking between famous universities at home and abroad, set up Industry-University-Research base, set up practical teaching and employment bases in local universities in enterprises, and introduce professional and technical personnel. " Hao Lailong said.

　　In Linxi County, Xingtai City, you can hear similar words. "When we first came to the west, we had no place to live and rent a house, so they gave us a free intermediary; Help us apply for a temporary residence permit, apply for a driver’s license, and conduct annual inspection of vehicles … …” Wang Jian, head of Linxi Edible Fungi Project of Shanghai Guangming Group, said.

　　Speaking of this edible fungus project, there is another story. In 2014, Shanghai Guangming Group wanted to select a site in the north to expand the production capacity of edible fungi. There are many professional mushroom growers in Shangu Village, Dongliu County, Linxi County, and they are trying to become bigger and stronger. Lv Tingxiang, secretary of the village Party Committee, went to Shanghai to "seek relatives" in person after receiving the news. At that time, knowing that a senior leader of Guangming Group was attending an art exhibition, he rushed to the scene and opened the topic with a book "The Story of Lv Yulan" that he carried with him. Lv Yulan is a national model worker who went out from Dongliu Shangu Village. He was famous all over the country that year, and this business leader has always admired Lv Yulan. As a result, Guangming Group began to pay attention to Linxi, and Linxi invited the enterprise to do field trips many times, which finally contributed to the project landing.

　　Lv Tingxiang is one of countless "N" in Xingtai’s investment promotion system. Xingtai City has built a new investment promotion system of "1+4+21+N", in which "1" refers to the leading group for introducing major investment promotion projects in Xingtai City, with the secretary of the municipal party committee as the general manager and the mayor as the team leader; "4" refers to the establishment of four professional investment promotion departments in relevant departments; "21" refers to 21 counties and cities; and "N" refers to the establishment of "investment promotion teams" at the grassroots level in various towns and villages, and finally forms a three-dimensional and comprehensive investment promotion team.

　　They also set up an investment promotion working group on WeChat, and the investment promotion directors of counties and districts joined the group to share investment promotion information, connect resources and exchange investment promotion experience. "Some good projects are of great interest to all counties. We discuss them in groups and jointly decide where to put them according to the industrial characteristics and environment of each place, so as to attract investment accurately." Hao Lishuang said.

　　Solving the demands of the masses with "a wave of inspiration"

　　In order for enterprises to introduce and stay, and to make people live a more comfortable life, we must listen to their voices and be "responsive, reasonable and fruitful". In view of the problem that enterprises and the masses have no access to complaints, Hebei Province has integrated various service hotlines and launched 961890 mass service hotlines in various cities, establishing an unobstructed complaint consultation channel. In Handan, this homophonic service hotline has been almost exploded recently.

　　"We are going to carry out the construction and renovation of the staff canteen. How should we go through the formalities?" The person in charge of the renovation project of the 718 canteen of CSIC recently called the 961890 mass service hotline in Handan. With the help of the hotline platform, this project, which used to take 160 working days to complete the formalities, solved the problem in only 20 days.

　　A hotline, is it so magical? All localities and departments have their own hotlines, such as Handan. In the past, there were 23 industry hotlines, including 12345 (mayor’s hotline), 12369 (environmental hotline), 12358 (price hotline) and 12333 (labor security service hotline). The hotline is supposed to be an emergency, but too many numbers and unclear responsibilities may make people more anxious. Handan 961890 mass service hotline integrates the above-mentioned 23 hotlines of industry departments, accepts the demands of the masses in all aspects of production and life in a unified way, and truly realizes the "one-number call", which solves the problems of inconvenient memory of the masses with many numbers, low connection rate, low service quality, and lack of unified management in different sectors.

　　The number is unified, is the appeal really better solved? According to reports, for general consulting questions, the operator directly answers them by querying the knowledge base; For professional questions that need to be answered by relevant departments, the operator can use the three-way call function to connect with relevant departments, and the professionals will give a reply; For appeals, if the relevant responsible units need to reply after handling them, an electronic work order will be formed and transferred to the relevant units for handling.

　　They also set up a regular return visit mechanism to supervise the whole service. "Within three working days after the hotline call, we will call back directly and ask the other party to rate our service. Matters that are dissatisfied with the masses and are indeed the responsibility of the organizer shall be returned to the organizer for re-processing and timely follow-up. " Du Hui, director of the mass service hotline management office in Handan City, told the reporter that the calls of the masses were first supervised by the service hotline, and those that were not completed on time were handed over to the government supervision office, and those that were still not completed on time were held accountable by the supervision bureau.

　　At present, Handan’s 961890 hotline receives more than 2,000 pieces a day, which are the hot and difficult issues that the masses are most concerned about. The hotline platform started big data analysis, and analyzed the information and data of these problems and the handling situation of each unit, providing decision-making reference for government services. At the same time, through in-depth data mining, according to the frequency of hot words and keywords, we can find the focus of public attention and provide guidance for the development of the industry.

　　Since the beginning of this year, Handan’s 961890 hotline has successively assigned more than 150,000 problems reflected by market players and the masses, with a completion rate of 98% and a satisfaction rate of 95%. Among them, it handled more than 1,100 sudden emergencies such as water cut-off, power cut-off, gas cut-off, fire and repair of municipal facilities, and played the role of "barometer of social conditions and public opinion, serving the masses as a bridge, and maintaining a stable pressure reducer".

　　A small detail is enough to show the delicacy and thoughtfulness of hotline service. Handan 961890 hotline is equipped with a decibel meter in the traffic acceptance area to monitor the voice of the operator. "This is to always remind us to treat every caller gently and help them solve every problem sincerely and patiently." Du Hui told reporters.

　　Whether it is Shijiazhuang, Xingtai or Handan, the local government is stimulating market multiplication and continuously releasing market vitality by "subtracting" power and "adding" service. In the first half of this year, the total number of market players in Hebei Province reached 4.27 million, rising from the 10th in 2013 to the 7th.

　　 (Reporter Chen Haibo, Yan Jiankuo, trainee reporter Chen Yuanqiu)

　　(Reporter Wei Yu Chunfeng) On the 10th, the theoretical study center group of the Municipal Party Committee held a collective study, with the theme of thoroughly studying and understanding the important thoughts of the Supreme Leader General Secretary on strengthening and improving the United front work, conscientiously studying and implementing the "Regulations on the United front work in the Communist Party of China (CPC)" revised by the CPC Central Committee, and constantly improving the quality and level of the United front work in our city. Xu Yousheng, Vice Minister of the United Front Work Department of the Central Committee, gave a special lecture, and Li Hongzhong, Secretary of the Municipal Party Committee, presided over and spoke. Liao Guoxun, Deputy Secretary of the Municipal Party Committee and Mayor, Duan Chunhua, Director of the Standing Committee of the Municipal People’s Congress, and Sheng Maolin, Chairman of the CPPCC attended.

　　Xu Yousheng elaborated on the main spirit, key contents and specific requirements of studying and implementing the "Regulations" around the important magic weapon function of the United front, strengthening the centralized and unified leadership of the Party over the United front work, the main tasks of United front work in various fields, strengthening the construction of non-party representatives, and doing a good job in studying, propagating and implementing the "Regulations".

　　In his speech, Li Hongzhong pointed out that the important thought of the Supreme Leader General Secretary on strengthening and improving the United front work is an important part of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, which provides a fundamental basis for the development of the United front cause in the new era. It is necessary to thoroughly study and understand the important thought of the Supreme Leader General Secretary on strengthening and improving the United front work, with a "two overall situations" in mind, with a high sense of political responsibility and historical mission, earnestly study, publicize and implement the "Regulations on the United Front Work in the Communist Party of China (CPC)", strive to develop the United front well, carry out the United front work well, and constantly open up a new situation in the United front work in the new era.

　　First, firmly grasp that the United front work is the foundation and soul of political work. The opposition between people’s hearts and strength is the key to the success or failure of the cause of the party and the people, and it is the biggest politics. It is necessary to improve political judgment, political understanding and political execution, give full play to the important magic weapon role of the United front, earnestly strengthen ideological and political guidance, find the greatest common denominator, draw the greatest concentric circle, unite people’s hearts and gather strength to the greatest extent, educate and lead the broad masses of United front members to closely unite around the party, and strengthen the "four consciousnesses", strengthen the "four self-confidences" and achieve the "two safeguards" with practical actions.

　　Second, resolutely implement the "Regulations" and establish the "rigidity" of internal party regulations. It is necessary to extensively study, publicize, preach and train the "Regulations", and promote leading cadres in party member to enhance their awareness of United front. Compaction of political responsibility, the implementation of the "Regulations" into the assessment of the party and government leading bodies and leading cadres, into the scope of political inspections and supervision and discipline accountability, to ensure that all specific requirements and hard rules are put in place to the letter, and resolutely safeguard the seriousness and authority of the party’s internal laws and regulations.

　　The third is to actively build a pattern of great United front work. The greatness of "Great United Front" lies in the broad coverage of work and the significance of work, which is related to the great cause of national rejuvenation and the overall political and strategic situation. To strengthen the Party’s centralized and unified leadership over the United front work, the Party Committee should assume the main responsibility, take the direction, control the overall situation and ensure the implementation, and the secretary should fulfill the responsibility of being the first responsible person, take the initiative to ask questions, plan research and supervise the implementation, and promote the construction of a unified leadership of the Party Committee, with the United front department taking the lead in coordination and relevant parties taking their respective responsibilities.

　　The fourth is to effectively enhance the ability to do a good job in United front work. Facing the new situation and new tasks, leading cadres at all levels in party member should strengthen their professional study, overcome the panic of skills, be good at being upright and innovative, effectively improve the level of policies and regulations and work art, do more work to warm people’s hearts, and better promote the harmony of political party relations, ethnic relations, religious relations, class relations and compatriots at home and abroad. We should be brave in taking responsibility, be good at dealing with all kinds of complex and sensitive issues, constantly promote the innovation of ideas, methods and institutional mechanisms of United front work, and strive to become an expert in United front work.

　　Standing Committee of the Municipal Party Committee, deputy director of the Standing Committee of the Municipal People’s Congress, deputy mayor, vice chairman of the CPPCC, and members of the leading group for United front work of the Municipal Party Committee attended.

　　In August this year, the staff of the education department in Xiangyang, Hubei Province handled the formalities of student-origin credit loan for college students. Photo by Yang Tao (People’s Vision)

　　In September, it is the school season. With a bright dream for the future, many students step into the university gate. Are those college students with financial difficulties in their families worried about tuition fees while enjoying themselves?

　　Ensuring students from poor families to enter school smoothly is the proper meaning to realize educational equity. After years of development, China’s student financial aid system is becoming more and more perfect, and the security is constantly increasing. Since the 18th National Congress of the Communist Party of China, the country has sponsored 520 million students in six years, with a total investment of 886.4 billion yuan. What subsidy policies do college students with financial difficulties enjoy? What are the new requirements?

　　The student loan covers a wide range.

　　Encourage commercial banks to actively participate and explore more credit lines and repayment methods.

　　This year, Wang Fei was admitted to Henan Normal University. Since he entered school, he has been excited by the beautiful campus, kind teachers and enterprising atmosphere.

　　Wang Fei’s family is in financial difficulties, but he has never worried about tuition. "When I was in high school, I knew I could apply for a national student loan. As long as you work hard, you won’t miss school. "

　　"The admission notice details the application process for student loans." Wang Fei said that he first filled in his personal information on the National Development Bank’s student loan information network and applied; Then take the application form to the relevant department for seal; Finally, with the notice, ID card, household registration book and other documents, accompanied by parents, you can go to the county-level funding center to handle it. "I applied for a student loan of 4,300 yuan, just enough for tuition and accommodation in the first academic year."

　　"In order to prevent college students from dropping out of school due to family financial difficulties, China has woven a funding network for higher education, forming a multi-subject participation and multi-level funding system." Qu Shaowei, a professor at the School of Law, University of Science and Technology Beijing, said. At present, the state-level funding mainly includes national scholarships, national grants, national student loans, work-study programs and so on. Among them, the national student loan has the advantages of low threshold, low interest rate and convenient application, and has become the most popular choice for college students from poor families.

　　Qu Shaowei introduced that national student loans are divided into student-origin student loans and campus student loans, and most people choose the former. After receiving the letter of admission, college students from poor families can apply to financial institutions such as the China Development Bank, apply at the place where they come from, and enjoy financial discount. This year, CDB continued to expand the coverage area of student-origin student loans, adding 65 districts and counties in Hebei, Fujian and Guangdong, and expanding the coverage area to 2309 districts and counties in 26 provinces.

　　There are a large number of national student loans, and the assistance is great. According to the data of the Ministry of Education, as of August 31 this year, 3.84 million students from poor families have applied for student loans, with a total contract value of 27.5 billion yuan, exceeding the amount of loans issued last year.

　　However, some college students from poor families also encounter new problems when applying for student loans. First of all, for schools and majors with higher fees, the amount of student loans is difficult to meet. Qu Shaowei said: "The tuition fees for private colleges and art majors are generally about 10,000 yuan per year, and the maximum amount of student loans is 8,000 yuan. In addition, the total number of students in student loans is controlled, and students who are at the boundary of difficulties and non-difficulties may not apply. It is more difficult to rely solely on family burdens."

　　Secondly, some students have repayment pressure. Cheng Wei, a student at Henan University of Technology, said that according to the requirements, borrowers should pay off their loans when they graduate. "But most people just work and have no savings, and the burden of repayment falls on their parents."

　　"As an important supplement to national student loans, commercial banks should be encouraged to develop general student loans to meet the more diverse needs of students." He Fei, a senior researcher at the Financial Research Center of the Bank of Communications, said that the student loans of commercial banks can be more flexible in the setting of repayment time and methods, which is different from the current policy banks’ requirement of "repayment immediately after graduation" and can give students who have just stepped into society enough "breathing" time.

　　Student loan products have strong public welfare, low interest rate and even no need for mortgage guarantee. How to improve the enthusiasm of commercial banks? He Fei suggested that in terms of guarantee methods, qualified insurance institutions can be combined to jointly issue commercial student loans based on guaranteed insurance; Cooperate with government departments, with local governments as guarantees, to solve the worries of commercial banks, and even include relatives with stable economic sources in the loan target, so as to reduce the probability of loan default.

　　"It is more important to give full play to the role of the personal credit information system." He Fei said that improving the personal credit information system will help banks to restrain the behavior of lenders, reduce the risk of violations, and encourage banks to explore more student loans with confidence and boldness.

　　Accurate distribution of local subsidies

　　According to the characteristics of the industry, local governments and mass organizations provide targeted assistance, which not only "transfuses blood" for needy families, but also enhances their "hematopoietic" ability.

　　Chen Hu, from Fengle Village, Yindingtu Town, Wuyuan County, Bayannaoer, Inner Mongolia, felt very proud of her daughter’s university admission notice. Although the family is not rich, my daughter is a success. She scored 633 points in the college entrance examination this year and was admitted to Sichuan University.

　　After the joy, Chen Hu was in trouble. Tuition, living expenses and other expenses add up to a lot. Last year, he diagnosed ampullary carcinoma of duodenum, and the operation cost was more than 150,000 yuan, which made the poor life worse. "But even if you sell iron in a saucepan, you have to let your children go to college." Chen Hu said.

　　There are many poor families in Wuyuan County. Last year, the county accurately identified 3,385 poor families with 6,225 people, some of whom were poor due to their studies. "No matter how poor you are, you can’t be poor dolls. Children can cross the wooden bridge with thousands of troops, but you can’t fall on the tuition fee. We must ensure that they can smoothly enter the university gate." According to the relevant person in charge of Wuyuan County Education Bureau, the county education bureau provides a scholarship of 10,000 yuan/year to college students from poor families who have not joined the subsistence allowance, which is borne by the county finance. The United Front Work Department of the County Party Committee used the "Pan-Ocean Aid Action" of the United Front Work System to subsidize poor families, disabled families or disabled undergraduate and junior college students who set up a file, with a subsidy of 5,000 yuan per person.

　　"The county education bureau grants 10,000 yuan a year, and the education bureau grants 2,000 yuan to the funding center. ‘ Pan-Ocean Aid Action ’ The subsidy is5,000 yuan, and the problem of children’s schooling expenses has been basically solved this year. " Chen Hu, get the bill.

　　All kinds of mass organizations actively participate. Wang Fengyu, from Danling County, Meishan, Sichuan, is a senior at Chengdu University of Technology and is preparing for the postgraduate entrance examination. However, when Wang Fengyu received the admission notice in 2014, the whole family had been worried about tuition fees. Wang Fengyu’s father was paralyzed after a sudden cerebral hemorrhage, and his mother took care of him at home, so his family’s economic situation was stretched. After learning about her family’s situation, the Working Committee of Danling County sent a scholarship of 4,000 yuan in time, and actively contacted education, poverty alleviation and other departments to assist in applying for other aid programs.

　　Qu Shaowei introduced that local subsidies have played an increasingly important role in ensuring the enrollment of college students with difficulties. Education, civil affairs, poverty alleviation, United front and other government departments, as well as mass organizations such as women’s federations, youth league committees, and work committees, raise funds through various channels to provide students with free subsidies.

　　For families with financial difficulties, subsidizing tuition fees is only "blood transfusion", and it is still difficult to bear the cost of follow-up education if they lack the ability of "hematopoiesis". Whether it is government departments or mass organizations, according to the characteristics of the industry, provide more targeted and comprehensive assistance to prevent the second return to poverty. Wuyuan County Poverty Alleviation Office has dynamically adjusted Chen Hu into a poverty-stricken household with a registered card, and designated hospitals in the county pay for hospitalization first, with a reimbursement rate of 90%. 8 ewes were distributed to enhance the ability to increase income steadily. "As long as you work hard, you don’t have to worry about it in the future, and your niece can go to school with peace of mind." Chen Hu said.

　　Qu Shaowei said that there are many sources of local subsidy funds, and the sum of them is relatively large, and there is no need to repay them. Therefore, it is necessary to make the procedures open and help accurately, prevent related households at all levels, and improve the efficiency of the use of subsidy funds.

　　How to ensure that student aid funds help those who really need it? Wen Wenhua, executive director of the Working Committee of Danling County, introduced that first of all, the distribution target should be accurate. By docking with the education and poverty alleviation departments, the Commission has mastered the relevant information of students, and at the same time visited schools and conducted household surveys for verification. Secondly, the distribution procedures are open and transparent, and the list of grants is publicized in time and subject to social supervision. Wuyuan county will combine independent application with the department’s step-by-step check to ensure the accurate distribution of funding. According to reports, the sponsor fills in the application form on the website of the government department and provides ID cards, notices and other documents. Relevant departments jointly review, according to the classification of liberal arts and science, from high score to low score, the best is included in the scope of funding, and timely publicity.

　　Strengthening financial supervision to prevent loan fraud

　　Intensify efforts to crack down on illegal and criminal activities, guide formal financial institutions to make formal financial products, and innovate products and services in a reasonable and orderly manner.

　　In the interview, some college students admitted that although the tuition and accommodation fees are available, the economic pressure is still great. Liu Li of Zhejiang University of Finance and Economics works two jobs in her spare time. "Daily expenses, learning materials, etc. are also counted. I worked as a student assistant in the academic affairs office of the college for two years, and at the same time worked as a part-time teacher in the online classroom of the Confucius Institute. Together, my two jobs earned about 1,500 yuan a month. "

　　"The student assistant position is specially set up for poor students, and the college makes reasonable arrangements according to the course situation. However, online teaching is time-consuming, and it is difficult to take care of it when there are many homework. " Liu Li said.

　　Zhang Mingshen, a graduate student at Huazhong University of Science and Technology, feels the same way. Many students from poor families don’t want to bother their families any more, hoping to bear the tuition alone. However, there are few work-study jobs, and it is difficult to concentrate on their studies because it is time-consuming to find a part-time job in an enterprise.

　　"Some students around us have small loan needs, but all kinds of Internet financial products and campus loans full of routines make us afraid to touch them easily." Zhang Ming said.

　　In recent years, some institutions have engaged in illegal credit activities under the cloak of "internet finance", and some college students have been recruited, which has caused serious physical, mental and property damage, which is regrettable. The financial supervision department suspended online lending institutions to carry out online lending business for college students, and made it clear that institutions established without approval were not allowed to enter the campus to provide credit services, thus curbing the spread of campus loans.

　　"The loan for college students may be the first time in their lives. Many people lack financial knowledge and discernment. The government must crack down on those illegal and criminal acts that exploit loopholes." He Fei said, we will resolutely ban intermediaries that do not have loan qualifications, severely crack down on borrowers who disrupt the market, and achieve effective control from the source of loans. Increase the punishment for illegal acts such as loan fraud and violent collection.

　　Blocking the side door requires opening the main door. Dong Ximiao, a senior researcher at Chongyang Financial Research Institute of Renmin University of China, suggested that formal financial institutions such as commercial banks should actively develop legal and compliant financial products and services in response to the reasonable borrowing needs of students. For example, provide moderate credit cards, consumer loans, business loans and so on.

　　"College students’ credit products must adhere to the principle of small amount and installment, effectively control the total amount of loans of a single subject, and prevent the emergence of multi-head vicious loans. At the same time, it is necessary to simplify the process, optimize the quality of service, and enhance the lending experience of young people. " He Fei said.

　　"The most important thing is to strengthen education and make up for college students ‘ Finance course ’ ‘ Financial management course ’ Guide them to establish a correct concept of consumption. " Dong Ximiao said that banks, universities and students’ families should join hands to carry out various educational activities to enhance the awareness and ability of college students to identify fraud and prevent risks. At the same time, encourage students to develop good consumption habits and put an end to excessive consumption.

　　"No matter what kind of funding, we must not forget to educate people. Cultivate college students’ good moral qualities such as contract spirit, honesty and self-reliance, and encourage them to change their destiny and repay the society through struggle. " Qu Shaowei said. (Wang Hao Zhang Shuangshuang)