摘要
随着高等教育由精英教育转向大众教育,我国的高等教育事业得到迅速发展,各高校因扩招和国家财政投入不足等原因,致使办学资金出现了短缺,贷款融资成为解决资金短缺的有效途径之一。但巨额的高校贷款对于其自身发展以及银行和政府方面都存在一定的风险,如何防范贷款风险已经成为高校和其他部门急需解决的现实问题。可行的解决方略:一是政府加大对高等教育的投入,二是高校多渠道筹措资金,三是政府、银行、高校三方共同协商权宜方案。
Higher education has developed rapidly in China with the transition of universities from elite-orientated to mass-orientated. However, many universities are faced with the problem of shortage of funds which caused by expending the numbers of recruiting students. One of the effective solutions is to take loans from the banks; nevertheless, there are risks to this practice with neither bringing about a great advance in universities nor the bank and the official government. To control the risks of loan becomes an urgent issue for these universities. Feasible solutions to it, first the government should increase the investment in higher education; secondly, each higher school should raise construction funds through multi-channel; thirdly, seeking an expediency based on the consultation of the government, bank and higher school.
出处
《青岛科技大学学报（社会科学版）》
2008年第3期89-94,共6页
Journal of Qingdao University of Science and Technology(Social Sciences)
关键词
高校
贷款
风险
解决方略
colleges and universities
loan
risks
countermeasures
