高校贷款风险及其应对  

The Risk and Response of University Loan

作　　者：韩东 HAN Dong(Financial Department, Shanxi University of Finance and Economics, Taiyuan 030006, Chin)

机构地区：[1]山西财经大学财务处,山西太原030006

出　　处：《高等财经教育研究》2018年第2期39-41,共3页Journal of Higher Education Finance

摘　　要：随着高等教育逐步大众化,高校常因资金短缺而进行贷款,虽可解决暂时性资金问题,但巨额利息会产生新的财务风险从而形成恶性循环。深入分析高校贷款的特点和产生的原因,提出高校贷款可能引起的财务风险、负债过多影响学校声誉和自身发展的问题,从提高贷款风险意识、扩宽资金来源、加强负债监控和提高政府补贴方面提出对策和建议。In the context of the massification of higher education, colleges and universities often make loans because of the shortage of funds. However, a new financial risk caused by heavy interests will create a vicious spiral. This paper firstly analyzes the characteristics, causes and negative effects of college loans, and then puts forward response measures, like raising risk awareness, broadening the sauce of funds, enhancing debt monitoring and increasing government subsidies.

关 键 词：高校贷款 贷款风险 应对措施 

分 类 号：G647[文化科学—高等教育学]