高等学校如何防范贷款风险

How to Guard Against the Risk of Loan in Institutions of Higher Learning

在党中央国务院“科教兴国”的战略方针指导下,我国的高等教育事业迅速发展。招生规模的扩大,使高等教育由精英教育转向大众教育。但随之而来的是高校办学规模的扩大与高校资金严重短缺的矛盾日益突出。为缓解这一矛盾,银行根据国家的政策,把资金投向高校。高校则凭借自己的信誉,走贷款办学的道路。但如何使投入的有限资金能在高校的发展中产生良好的效果,促进高等教育事业的进一步发展,避免贷款风险的发生,使银行的贷款投资取得预期的效益,应该是我们当前思考和解决的主要问题。

Following the ＂make the country strong through science and education＂ strategic principle, which is put forward by the CCCPC and State Council, Our higher education develops by leaps and bounds. The expansion of enrollment transforms the higher education from elite education to popular common education. Meanwhile, the contradiction betweeff the expansion of Institution of higher learning scale and the shortage of funds are becoming increasingly acute. In order to ease off this contradiction, the bank grants loan to the institutions of higher learning according to the state policy. They began to run the institutions of higher learning through loan which relies on their reputation. But how to make the limited funds produce good effects on the development of the institutions of higher learning, guard against the risk of loan and make the loan achieve the desired results are the main issues we should consider and resolve now.