The Risk Prevention Of Loan Of Public Colleges And Universities

Since 1999, the higher education of our country advances along the course of great-leap-forward development, scale of higher education obtains expansion by the unprecedented speed. Ordinary higher education transits from elite education to popular education in China. On the one hand, the free financial resource has been unable to satisfy the need of colleges and universities' fast development. On the other hand, because the growth of tuition is limited, donation from schoolfellows and units is insufficient, the financing channel of colleges and universities is extremely limited. So mostly colleges and universities adopted raising loan through financial capital market and it is proved effective.But at the same time, every evidences show that among the new round of construction standard arises, which makes the loan scale expand too quickly and the debt burden of colleges become too heavy. In a word, colleges and universities are confronting an unexpected debt crisis. How to forecast, prevent and control debt risk of colleges in order to maintain financial safety and social stability has become an urgent task to government education department, financial organization, banks, colleges themselves and the whole society.To the debt risk which universities of our country face at present, this thesis proposes an index system of suggestions to keep away and dispel the liabilities risk. Firstly, we must find the way to prevent risk of debt crisis get worse and resolve it. At the same time, this research ascertains we must establish the long-term risk control system of loan of colleges and universities.