论商业银行与高等院校合作的前景

On the prospect of the cooperation between commercial banks And colleges

近年来，商业银行由于出现巨额存差，迫切需要化解资金运营中的阻滞问题。而高等院校为适应巨大的需求市场迫切需要扩大教育规模和资源，尝试通过市场化运作筹措建设资金。由于高等教育已成为有稳定回报的特殊产业，商业银行通过开办教育贷款业务，可以拓展新的业务空间和培育新的利润增长点。因此，银校合作的时机已经成熟，前景非常广阔。

 In recent years with the problem of fund overplus emerged in commercial banks they have been striving for a way urgently to dispose of the obstruction encountered in capital management meanwhile to meet the expanding demand for education colleges entailed accelerating development by the aid of raising funds from marketing activities． Now that college education somewhat has become a special industry which can bring secure recompense through establishing education loan obviously it is a good chance for commercial banks to expand business scope and create new profit growth point． Therefore it is high time for commercial banks concentrated on investing in higher education．