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北京是国家助学贷款第一批试点城市之一,早在1999年工商银行北京分行就开始向贫困生贷款了。当时北京市有43所高校的学生与银行签订了贷款合同,标的总额4.3亿元。合同规定,学生一毕业就将分配单位及地址通知银行,按季度还贷。2001年底,进入还款期的1250名毕业生中,有119人未还贷,2002年第一季度共拖欠10.3万元。他们毕业后的新联络方式一个也未留给银行,申请贷款时填写的联络方式也多有变化,特别是寻呼机、手机不是停机就是改了号,他们似乎一下子“蒸发”了。
Beijing is one of the first batch of pilot cities for state student loans. As early as 1999, ICBC Beijing Branch started to lend to poor students. At that time, 43 universities and colleges in Beijing signed loans contracts with banks, with a total amount of 430 million yuan. The contract stipulates that upon graduation, the student will notify the bank of the distribution unit and address and repay the loan quarterly. At the end of 2001, of the 1,250 graduates who entered the repayment period, 119 failed to repay their loans and owed a total of 103,000 yuan in arrears in the first quarter of 2002. After they graduated, the new contact information was not given to banks either. When they applied for loans, the number of contact information they filled in was also quite different. Especially pagers, cell phones were not shut down, changed their numbers, and they seemed to have evaporated at once.