Research On The Council University Banking Loan System In China

Since 1999, banking loan in council universities has been a new-born thing in the current campus with the recruit students expansion. Before that, many correlative problems have no reasonable and scientific regulation, such as whether the council university can ask for a bank loan, how to loan, how to define the loan, how to examine and approve the loan, how to guarantee the loan fulfillment and how to solve the risk of the council university loan. This is a spontaneous arrangement of the system with the angle in the law. Although the sum of the loan has provided more than 200 billion yuan to fulfill the national recruit students expansion policy in order to improve the university conditions and make up the lack of national devotion, due to the lack of theoretical instruction and regulated legal system, some universities sometimes appear the blindness loan, even some substantive loans over their capacity and the abuse of the banking loan, which bring about a lot of iffy loan and its serious risk arose the social attention. Therefore, the thesis study at the aim of opening out problems, resolve risks and innovate the system. The research method is from the basic theory, demonstration analysis and system perfection.The thesis is to build up the new-style banking loan legal system in council universities with the study background of the practicing activities and spontaneous arrangement of the system of the council university banking loan. The spontaneous characteristics of the system is that, for the state, on one hand, the state comes on a'educational economy'policy of the recruit students expansion in order to expand domestic demand and consumption;on the other hand, the national finance can not afford the development of universities; for the universities, on one hand, they need to expand the campus and other equipments to fulfill the recruit students expansion policy; on the other hand, they are lack of money in straitened circumstances. For current situation of the banks, on one hand, liabilities cannot translate into assets and be difficult to get profit; on the other hand, state-owned enterprises were in bad condition and the banks do not want to continue to provide a loan to them. The above contradictions make the spontaneous arrangement of the council university banking loan system.The thesis firstly studies the theory of the council university banking loan system from the point of the legal status of the council university and the relation between the council university and the state. Secondly, it research on the fundraising mode and the system regulation in foreign countries. In the world, the council university banking loan in China has its particular characteristics which is an example of the council university financing development. This research undoubtedly has higher value on theory. It is the abundance and the development of the educational economy and management and the theory of academy management. Thirdly, it comes to the demonstration analysis, research and evaluation of the universities, the commercial banks, the policy banks and the item financing loan system with some real cases. Fourthly, the thesis analysis current problems of the council university banking loan system deeply in order to establish the base of resolving the iffy loan and the new system. In the last part, the author brings about the feasibility scheme of resolving the risk of the council university banking loan and proves the validity and the feasibility of the council university policy banking loan system on law. The thesis finally table a proposal to set up the council university moderate loan system, the policy banking loan system with the supplement of the commercial banking loan, the council university banking loan risk management and the council university banking loan risk guarantee.