关于高校贷款的两点思考

Two Thoughts on University Loans

随着我国高等教育的快速发展,单纯依靠政府拨款已经不能满足高校发展对资金的要求,从金融机构获得贷款,解决了高校需要若干年才能实现的资金规模扩充的难题。然而,贷款必然形成负债,是有资金成本和财务风险的。因此,充分认识高校贷款的基本原则,加强贷款资金管理,提高资金使用效益,显得非常重要。

With the rapid development of our higher education, governmental allocation alone cannot meet the capital need for university development. Getting loans from financial institutions has solved the problem of capital increase which would not be solved otherwise. However, getting a loan means getting in debt, and will cause funding cost and financial risks. Therefore, it is important to clearly understand the basic principle governing the loan, tighten up the loan management, and raise the loan＇s efficiency.