我国商业银行拓展高校信贷的思考  

Thought of Expanding College's Credit of China's Commercial Banks

作　　者：谢玉龙[1] 

机构地区：[1]衡阳师范学院财务处,湖南衡阳421002

出　　处：《衡阳师范学院学报》2013年第5期57-59,共3页Journal of Hengyang Normal University

基　　金：衡阳市社会科学基金项目"化债背景下地方院校财务管理创新研究"(2012C40)

摘　　要：高等教育大众化为高校的发展奠定了基础,商业银行曾经为高校的扩建筹资做出了贡献。通过对商业银行在高校的信贷现状分析,探讨了高校内涵式发展和后勤社会化回购需要资金缺口大为商业银行拓展高校信贷创造的机遇,商业银行拓展高校信贷要瞄准市场,加强银校合作;积极开发新型信贷产品,满足市场需求;建立高校信贷预警,强化风险管理。Popularization of higher education has laid a foundation on the university＇s development, and commercial banks have contributed to financing for the college building. The paper analyzed the current situation of the commercial banks in college credit and discussed the funding gap needs for the college connotative development and logistics socialization repo which has cre- ated opportunities greatly for expanding the commercial bank credit in universities. Finally, some suggestions were put forward to expand the credit for commercial banks, such as to target the market, to strengthen the cooperation of bank and school, and actively develop new credit products to meet the needs of the market, and to establish the warning system of credit in college and to strengthen the risk management.

关 键 词：国库集中支付 商业银行 信贷 

分 类 号：F830.33[经济管理—金融学]