高校债务风险预警模型构建及配套策略研究

Study on the Establishment Early Alerting Model and Matching Strategy of Financial Risk in Colleges

高校银行贷款的风险防范,是一个关系到学校生存与发展的大问题,许多的防范策略都各有一定的实用价值.但传统的预警模型实用性不佳,主要是一些细节存在着理论缺陷,效果不显著.根据高校债务风险的基本状况,排出其风险预警体系的构成因素,对一般的风险预警模型,做出适度调整,引入债务负担率和债务依存度的概念,使预警模型更符合高校实际,能够很好地预警债务风险,以利防范.图2,参6.

Bank loan risk prevention is a big problem to the existence and development of college. Many strategies have certain practical values. But conventional early alerting model has poor practicability, mainly including the theoretical defect in some details,no significant effect. According to the basic situation of the college debt risk, excluding component factors of risk early alerting system, we made appropriate adjustment to make early alerting model be more tally with the actual situation of college. 2figs. ,6refs