高校贷款风险分析及相关对策—以吉林大学为例
摘要
近年来，我国高等教育事业发展迅速，高等教育规模不断扩大，社会对高等教育的需求也日益增大，教育投入与教育需求矛盾日益突出。同时，各高校为接受教育部的教学评估，努力创办一流大学，不断加大基础设施建设力度，增加教学投入。在这种发展趋势下，许多高校纷纷与银行建立了“银校合作”关系，从银行获取贷款解决发展中所面临的资金瓶颈问题。然而，银行贷款是一把“双刃剑”，盲目贷款或超规模贷款都易引发贷款风险。本文就高校贷款的风险及其防范进行探讨。
[关键词]：高校；负债经营；风险；应对策略
Abstract
In recent years, our country's higher education undertakings have developed rapidly, and higher education continues to expand the scale of higher education, social demand also increases day by day, the education input and education demand contradictions increasingly. At the same time, each of the ministry of education to accept teaching evaluation, efforts to establishing a first-class university, constantly increase infrastructure construction force, increase in teaching. In this development tendency, many universities have established the "silver with bank school cooperation" relationship from the bank for loans, solve the problems faced by capital bottleneck. However, the bank loan is a "double-edged sword", blind loans or super size loans were easy cause loan risk. In this paper, the college loan risk and its prevention are discussed.
[key words] : college；debt risk；management ；Strategy
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