央属高校贷款融资现状及影响因素研究

Study on the Current Situation and Influencing Factors of Loan Financing in Central University

贷款是中国大学筹集资金的重要途径。目前,央属高校随着规模扩大、在校生人数的飙升,贷款规模呈现快速上升的势头,贷款增长速度已远远超过了高校收入增长的速度。政府自上而下政策性引导、银行改善资金流向以扩大业务空间、高校摆脱扩招后财务困境等是央属高校贷款融资的重要原因。高校要科学评估财务状况,构建稳定的财务运作机制,确保经费来源的多样性和稳定性、资金数量的充足性、经费使用的效率性,实现高校财务安全。

Loans are important ways to raise funds in Chinese universities. At present,with the trends of expansion,the number of students soaring and the loan scale showing a rapid increase in momentum,the loan growth in central university has been far outpaced the university income growth. Some important reasons for loan financing in central university can be the government policy guidance, improving the flow of funds to expand the business space in banks and the want to get rid of financial difficulties after the big expansion. Therefore, the author suggests that universities should conduct the scientific assessment of the financial situation,build a stable financial operation mechanism ,and make sure of the diversity and stability of its funding sources ,the amount of capital adequacy and the efficiency of usage, so as to realize the financial security.