College Loan Risk Early Warning Mechanism

Along with the higher education turned from elite education into public education,our country's higher education developed rapidly.There is a shortage of running fund in many universities for lots of reasons,such as the increase in enrollment and the insufficiency of the state finance investment.In this context, loan financing becomes one efficient way to solve the difficulty of fund shortage. The large amount of university loan came into being in the specific historical situation,and it was also the result of the specific social and economical system. However,the large amount of university loan brought a certain extent of risks not only to the development of universities themselves,but also to the loaning bank and the government.Therefore,how to alert and take precautions against the loan credit risks is a realistic problem which needs to be resolved urgently by both the universities and other departments of our society.The vigilance of university loan risks calls for the focused attention of our whole society.It is required the join efforts of the government,the banks and the universities to work out an expedient solution to resolve the university loan problem,under the guideline of scientific and sustainable development concept.