加强监督,谨慎预防高校银行贷款的风险

Strengthening Supervision to Protect Higher Institutions from Risks of Bank Loans

本文结合我国高等教育的实际 ,对高校银行贷款的风险进行了科学地分析。提出三点预防银行贷款风险的措施和方法 :一是进一步加强政府审计的力度 ,积极支持多元化办学 ;二是银行应加强对贷款对象和项目的审查 ,严格规定归还贷款的数目、年限 ;三是高校应建立多渠道筹集资金。

This paper raises three countermeasures to prevent risks of bank loans:the government should take the audit seriously;the bank should attach more importance to the examination of projects and instituˉtions which apply for loans;the higher institution should set up more channels of raising capital.