论商业银行与高等院校合作的前景  

On the prospect of the cooperation between commercial banks And colleges

作　　者：许圣道[1] 

机构地区：[1]郑州大学经贸系，河南 郑州 450052

出　　处：《金融理论与实践》2001年第2期19-21,共3页Financial Theory and Practice

摘　　要：近年来，商业银行由于出现巨额存差，迫切需要化解资金运营中的阻滞问题。而高等院校为适应巨大的需求市场迫切需要扩大教育规模和资源，尝试通过市场化运作筹措建设资金。由于高等教育已成为有稳定回报的特殊产业，商业银行通过开办教育贷款业务，可以拓展新的业务空间和培育新的利润增长点。因此，银校合作的时机已经成熟，前景非常广阔。 In recent years with the problem of fund overplus emerged in commercial banks they have been striving for a way urgently to dispose of the obstruction encountered in capital management meanwhile to meet the expanding demand for education colleges entailed accelerating development by the aid of raising funds from marketing activities． Now that college education somewhat has become a special industry which can bring secure recompense through establishing education loan obviously it is a good chance for commercial banks to expand business scope and create new profit growth point． Therefore it is high time for commercial banks concentrated on investing in higher education．

关 键 词：商业银行 高等院校 合作 教育贷款 资金运营 

分 类 号：F832.33[经济管理—金融学] G526.7[文化科学—教育学]