关于高校银行贷款风险控制的探讨  

Risk Control Concerning Bank Loans for Colleges and Universities

作　　者：岳凤霞[1] 

机构地区：[1]河北科技大学财务处,河北石家庄050081

出　　处：《河北经贸大学学报》2009年第4期66-70,共5页Journal of Hebei University of Economics and Business

摘　　要：随着高校贷款规模的扩大,其造成的财务风险也逐渐显露出来。有效防范和控制贷款风险,是保证高等教育事业持续健康发展面临的一个重大而紧迫的任务。要有效防范和化解高校贷款风险,必须增强贷款风险意识,加强对高校贷款的宏观控制,严格贷款程序,合理制定高校偿还贷款计划和建立贷款风险预警机制,并切实增加对高校的财政投入和给予高校一定的信贷优惠政策,缓解高校的偿贷压力。As the loans by colleges and universities are steadily expanding, the financial risks are becoming more distinct. So it is an urgent task to effectively prevent and control the loans risk so as to ensure the healthy and sustainable development of higher education. Some measures have to be taken to strengthen the awareness of loan risks, tighten the macro control of bank loans, and improve the loan procedures. Moreover, colleges and universities shall design loan-returning plan and establish early-warning system for loan risks. Finally the financial investment has to be increased and some preferential policies need to be designed to relieve the pressure to return loans.

关 键 词：高校贷款 贷款风险 风险控制 

分 类 号：F832.4[经济管理—金融学]