透明度、舆论监督与高校贷款风险防范

Openness,Supervision by Public Opinion and Risk Prevention for University Loans

高校贷款风险根本原因在于贷款各方的预算软约束,深层原因则在于国有企业贷款坏账报销机制的"历史示范效应"和高校贷款各方的理性预期。有效控制高校贷款风险,关键措施在于高校贷款的透明度建设与舆论监督机制。论文分析了高校贷款项目披露的必要性和原因,高校贷款的舆论监督动力机制和高校贷款舆论监督的作用机制。

The root cause of the risk of university loans is the soft budget constrain of relevant loan parties, while the deep reasons are the ＂historical demonstration effect＇of the bad debt reimbursement mechanism in state-owned enterprises and the rational expectations of the loan parties. To control the risk of university loan effectively, the key measures lie in the openness of the loans and the supervi- sion by public opinion. This paper analyzed the necessity and reasons of disclosure of university loans, as well as the dynamic mechanism and action mechanism of supervision by public opinion.