浅析高校贷款风险的成因及防范措施

Brief Analyses of Origins and Countermeasures of College and University Loan Risks

随着高等教育由精英教育转向大众教育,我国的高等教育事业得到了迅速发展。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。应在深入分析高校贷款风险成因的基础上,提出加强控制、管理,有效防范高校贷款风险的对策和建议。

With the transition from elite education to mass education, higher education has been developed rapidly in China. But the following problem that the contradiction between the scale expansion of colleges and universities and serious funds shotrage has become increasingly conspicuous. To alleviate this problem, the banks have investe- dtheir capital in college according to policies of the state. Based on in-depth analyses of risk factors, this paper puts forward some proposals and countermeasures to strengthen the cntrol and management, and effectively prevent the loan risks.