浅析我国高校贷款风险及防范对策

Analysis of Risks of College Bank Loan and Method of Guard Against It

随着我国高校招生规模的扩大,资金不足成为制约高校快速发展的严重问题。银行贷款成为高校筹资办学的一种重要手段,但是由于对贷款风险认识不足,还贷责任意识不强,给学校、银行、政府均带来了财务风险。本文希望通过分析高校贷款的成因,充分认识贷款的风险,树立正确的负债观,把握机会,利用有限贷款资金把学校建设得更好,促进高等教育的持续、健康、稳定发展。

With colleges enlarging the enrollment scale,lacking sufficient funds becomes the key factor of restricting college to develop fast. Bank loan is the main way for college to collect funds. But for lacking of knowledge of loan risk and weak consciousness of repaying loan,it brings financial risks to colleges,banks and the government. This article analyzed the reasons why colleges loan money from banks. And by this,it helps know deeply about the loan risk,and have a correct understanding of liabilities. Only in this way,we could take the chance of having bank loan to build colleges well and promote the high education development continuously,healthily,and stably.