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随着高校扩招的进行,高校资金缺口扩大。为满足高等教育事业的需求,我国高校相继采用银行贷款方式进行大规模的基础设施建设,但是由于对贷款风险重视不够,造成了贷款的规模过大,给学校和银行均带来了财务风险。高校贷款应当以自身的承受能力为限,并通过财务预算管理等手段,合理确定和控制贷款规模.高校的贷款额度、使用方向、偿还能力及建设规划的可行性等进行严格把关和审查,以切实防范和控制高校贷款所带来的风险。
With the expansion of college enrollment, college funding gap expanded. In order to meet the demand of higher education, colleges and universities in our country have adopted large-scale infrastructure construction using bank loans one after another. However, due to insufficient attention to loan risks, the scale of loans is too large, which brings financial risks to schools and banks. College loans should be limited to their own affordability, and through the means of financial budget management and other means to reasonably determine and control the size of loans .University loan limits, the use of direction, the ability to make repayment and the feasibility of construction planning and other strict checks and reviews to Effectively prevent and control the risks brought by college loans.