从供求关系分析高校大规模贷款形成的原因

Research on Supply and Demand of Commercial Bank Loan to Higher Education

上世纪末我国公立高等学校大规模的扩招所需巨额资金大部分来自银行贷款,也由此引发了教育界、银行业和相关监管部门对高校贷款风险的关注、重视和研究。文章从高校作为非营利组织这一视角出发,运用信贷市场贷款供求理论和产权理论,对我国高校贷款供求双方的行为和动机进行了分析,在此分析基础上进一步解析了目前我国银行对高校贷款激增且数量庞大的内在原因。

By the end of .the last century, Chinese public higher education had increased enrollment in a large-scale, which turned elite education for minority into commonalty education for majority in a rapid pace, and expanded a huge amount of funds. That most of the funds for increased enrollment required from commercial bank loan, also resulted the attention and research of education areas, banking sectors and supervisory departments. From the perspective of college as a non-profit organization, we are trying to use the credit lending market supply and demand theory and the theory of property rights to analyze the behavior and motives of both supplier and demander of bank loan. We also want to make a further analysis of the reasons for the large number of bank loan to higher education.