摘要
分析了高校贷款产生的原因及现阶段存在的问题,结合高校贷款现状及时代特点,提出应从政府、高校和银行三方面入手防范和控制贷款风险:强化政府责任,加大财政投入,加强贷款监管;高校要合理使用资金,增强抵御风险的能力,制定合理的贷款计划,拓宽融资渠道,加大筹资力度;商业银行应严格项目评审,完善贷款后续管理。
The causes of university loans and the problems in the present period were analyzed. Precautions and controls of risks of loans were brought forward from the aspects of government, universities and banks： the government should strengthen its responsibility, increase financial investment, and reinforce supervision of loan; universities should develop reasonable loan scheme, use funds rationally, enhance the ability to resist risks, broaden financing channels, and increase fund raising; commercial banks should be strict with project appraisal and perfect continuous managements of loans.
关键词
高校
贷款
问题
对策
university
loan
problem
countermeasure
