Study On Loan Risk Control Of College

Since 1999 the Implementation of the Expansion Policy of Higher education, higher education in China has made leap-style development. After nine years for the increased enrollment, the size of China's higher education has more than quadrupled,the net enrollment rate has reached 23 percent in 2007, which has achieved the goal of the popularization of higher education.But the lack of input is common problem for the vast majority of colleges and universities when improving school conditions.To alleviate this problem, various colleges and universities have to loan from banks, and the scale is becoming biger and biger, which has become a widespread phenomenon for universities. The Phenomenons such as the scale of school loans becoming biger and biger,a large number of loan principal and interest due not to return,inefficient use of school loan funds have brought new problems for universities,banks and the related education management.Under the premise of ensuring the interest of universities,banks and other related people, how to prevent and control the risk of college loans has an important practical significance.From the perspective of the college loan risks controlling and prevention, this paper is divided into the following seven parts:The first part is Introduction,which introduces the background and significance of this article,defines the relevant concepts,analysis the relevant theory Basis and put forward to the innovation and inadequacies of this paper.The second part introduces the relevant status quo, including domestic and international two respects.The third part describes in detail the causing reason of university loans and the overall situation of University loans in our country.The fourth part analysis the risk characteristics,the impacting factors and harm of college loans.The fifth part is the focus of this paper.In this part designs"the three Loan Risk Indicators and Measurement System of College",and tests the feasibility of the System with the actual survey data.From the perspective of university,government,education management and other people of the community,the sixth part puts forward to the measures to control the risks of college loans.The seventh part is the last part,which briefly descripts the conclusion of the study and the issue which need to further discuss. The innovations of this article are the following two aspects:1,In order to measure the size of university loan risk, with the principles such as Overall effectiveness maximize and cost minimum,put forward to the three Loan Risk Indicators System of College .2,Put forward to the three Loan Risk Measurement System of College and test the feasibility of the Measurement System with specific data.