Study On Control Of High Education Loan

With the continued expanding of Chinese colleges and universities' enrollment scale, the education funds' need grows sharply. Many universities begin to use loans to solve the problem of funds insufficient in the situation that state financial allocations can't meet the need. But because loans have to be repaid at a certain period of time, there is a certain risk for the universities. How to confirm the loan volume is the main contents of this paper. Having to face the objectivity of loan risk, the problem of universities' loan has caused wide public concern, such as the Ministry of Education and the Ministry of Finance and so on. Though there're some related researches about this problem now, they are almost analyzed from qualitative not quantitative angle of view. This paper lays special emphasis on analysis from quantitative angle of view.This paper researches the problem of universities' loan risk, elaborates the theory of loan risk and analyzes the reasons and influence factors of loan. The author indicates the restriction of loan volume control and the risk assessment model and improves it. The model can be improved from four aspects: consider the influence of general fund with universities' specific situation; give specific method of determining growth rate to strengthen feasibility; set restriction on value range of calculation period; revise the hypothesis conditions of business growth to 'universities keep a trend of stable development in the next period'.Finally, the author thinks we should take following actions: perfecting the economical responsibility system in the management of universities; strengthening the rank construction of the financial control and raising the personnel management level of the financial control; establishing the early-warning mechanism against loan risk and strengthening the loan-risk control; establishing a system of loan examination and approvals and setting up a file.