高等学校贷款问题探析

An Exploration of Loan Problems in Colleges and Universities

针对我国高等学校业已存在的巨额贷款,阐述了高等学校贷款具有的投资周期长,贷款金额大,担保形式和还款渠道单一等特点;探讨了用建立贷款风险预警系统、合理确定贷款规模等方法来防范贷款风险的发生;并从贷款的预算管理、保证贷款资金的专款专用及加强对贷款投资项目的管理等方面提出了对高校贷款管理的看法。

In view of the huge loan in colleges and universities in our country,the article gives a description of the loan characteristics possessed by colleges and universities,such as the longer investment cycle,the huger amount of loan money,the single form of guarantee and the single channel of paying back money;the essay also explores how to prevent loan risk by building the forecast alarm system of loan risk and determining loan scale reasonably;it also provides some views on how to manage the loan in colleges and universities by means of budget management,ensuring earmarking the fund for its specified purpose and strengthening the management of loan investment items.