公立高校银行贷款制度安排

Public High-school Banking Loan Institutional Arrangements

解决公立高校银行贷款存在的问题,关键是构建新制度,对高校、银行、政府关于高校贷款的行为加以规范。新的公立高校贷款制度,其主要包括四个方面的内容,即适度贷款制度,有计划政策性贷款、有条件商业性贷款相结合的银行贷款制度,银行贷款风险管理制度和银行贷款担保制度。

The key to solving the problem of public high school＇s obtaining loans from banks is to set up a new institution, normalizing the behaviors of high schools, banks and governments on high-school obtaining loans. This new institution is mainly composed of four aspects： moderate loan-granting institution; banking loan-granting institution combined planned policy loan with conditional commercial loans; bank loan risk management institution and bank loan guarantee institution.