化解高校贷款风险的对策

How Colleges and Universities Can Avoid Loan Risks

我国高校贷款行为缘于政府政策引导、国家投入不足、评估迫使,应通过树立财务风险意识、强化政府财政投入责任、加强贷款项目资金管理、建立偿债基金、运用市场机制筹集资金、教育捐赠、增加销售与服务收入等方式来化解。

Chinese colleges and universities get loans for the three factors： that the government policy encourages them to borrow money; that the government does not supply enough investment to them; and that they have to borrow money to spend in teaching level assessment activities. To avoid loan risk, colleges and universities should have financial risk awareness, ask the government to take more financial responsibilities, improve capital management of the loan programs, establish debt repayment funds, collect funds by the means of market mechanism, obtain educational donations, and get more profits from product sales and services.