The student aid fund is actually a low-interest loan issued by the state to help poor students complete their studies. When you leave school, you need to pay back the money regularly.

1, the student aid fund is run by the state and bears risks.

2. The fund we usually buy is that investors entrust funds to fund custodians (that is, qualified banks), and fund managers manage and use the funds to invest in financial instruments such as stocks and bonds, and then * * * bear the investment risks and share the benefits.

3. The essential difference lies in income and risk-taking: (1) The student aid fund is a welfare fund, not for profit, and the risk is borne by the state. (2) Commercial funds aim at profit, and investors and fund managers share risks.

Second, the nature of student loans is welfare loans.

The national student loan belongs to the national auxiliary loan, which has the nature of public welfare and does not belong to commercial loans. The national student loan is a credit loan and does not require interest. Students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities.

3. What is the nature of the national student loan? A. Policy loans B. Welfare loans C. Commercial loans D. Helping loans

Answer: c

Analysis: The nature of national student loans is commercial loans. The national student loan is a credit loan. Students and parents are the same borrower, and both have the responsibility to repay. Students should avoid overdue when the national student loan is connected to the personal credit information system of the People's Bank of China.

Fourth, the nature of the national student loan.

China Industrial and Commercial Bank is a national student loan handling bank approved by the People's Bank of China, which is responsible for the examination, issuance and recovery of national student loans. Its loan nature belongs to commercial loans and is included in the normal loan business management.