高校贷款风险的控制与防范

Curb & Prevention to Loan Risk of Higher Learning Institutions

近年来,随着我国高等教育事业迅速发展,招生规模不断扩大,高校办学规模的扩大与资金严重短缺的矛盾日益突出。为缓解这一矛盾,各高校开始利用银行贷款来弥补差额。为有效控制和防范贷款风险,高校应健全大学法人治理结构,强化财务部门的风险控制职能,建立贷款风险预警系统,加强贷款资金使用监管,拓宽筹资渠道。

With the rapid development of the higher learning education cause and the recruitment of freshmen on the large scale in the past few years the sharp contradiction between the expansion of schooling and the needed fund short comes into being. In order to relief the difference the colleges and universities apply the banks on loan. To control the risk of loan the colleges and universities should complete the structure of the legal person management that is to prevent the risk of finance and loan early pre-warning system to supervise the loan control and to open more channels for fund.