Study On The Financial Risk Problems With Our Higher Education

Along with the founding of socialism market economy, there have been many changes with education career in China. By introducing market mechanism, thoroughly implementing charging system, broaden financing channel, our higher education now exploit several financing channels on the base of national education fund input, hence the financial management work in universities become more complicated. The management work involves risk management accordingly. Therefore the current problem is how to measure and avoid financial risks. The dissertation studied the current situation, prior alertness, control problems of financial risks, offering some suggestions for financial risk management in our higher education area.Firstly, the dissertation analyzed financial risks in universities after explained the meaning of financial risk, pointing out their speciality and classifying them into four kinds: financial status whole unbalance risk, fund operating risk, university-owned enterprises risk, loan risk. Secondly, the dissertation analyzed three relevant cases and concluded the existing problems with university financial risk, such as some universities fund operating not standardized, loan risk high, university-owned enterprises financial risk high and so on. The reasons for those problems have many, such as the management level do not have risk idea, there are not prior alertness mechanism, the loan size is enlarged freely and so on. At last, the dissertation offered suggestions for controlling financial risks in universities, they are:set up prior alertness mechanism, watch, compute and supervise financial risk status, control error, reduce loss, set up university loan quote control and risk appraisal mode, decrease loan cost, enhance juridical person responsibility system, indicate explicitly property right relationship and so on, aiming at do some meaningful probe and contribution for financial risk management.