State-subsidized student loan is the RMB loan granted by ICBC to students in full time high schools for paying tuitions and living costs which is provided with pay interest through the "Student Loan" special account fund set up by education departments. State-subsidized student loan applies to the university students, students of special subjects, graduate students and students for the second degree in high schools in PRC （not including Hong Kong, Macao and Taiwan area）.　 国家助学贷款是银行发放的用于全日制高等学校在校生支付学费和生活费，由教育部门设立“助学贷款”专户资金给予贴息的人民币贷款。 国家助学贷款适用于中华人民共和国（不含港、澳、台地区）高等学校中的全日制在读本、专科学生、研究生、第二学位学生。