| With the rapid expansion of colleges and universities scale, the input of it also increasedsignificantly，which makes the conflict of universities expansion and money supply becomeincreasingly prominent. To alleviate this contradiction, high schools loans to commercialbanks one after another, which alleviates this contradiction to some extent. But at the sametime, it will cause the debt burden to colleges and universities. If colleges and universities cannot debt service on time, they are bound to run into financial crisis,which will also pose a riskto commercial banks.This papers defines the basic concepts of commercial bank loans and loan risk on thebasis of relevant research literature from home and abroad, makes fully analysis of the currentcondition, characteristics and the seven issues of China’s higher school loan, details the typesof colleges loan risk based on the perspective of higher education institutions and commercialbanks, meantime, it analyzes the causes of the loan risk from high school and commercialbanks perspective. This paper also makes evaluation research of high school loan risk and settwo indicators which are the size of the loan risk index and the term of the loan risk index.Draw the actual affordability of higher education institutions and the setting of the loan periodis reasonable or not by calculating the two indexes. Calculate the size of the loan index andthe term of the loan index using actual financial data of certain institutions, obtain the size ofthe loan risk index within fifteen years after2010and the term of the loan risk index withinten years after2010of the college, and evaluates the size of the loan risk and term of the loanrisk. Finally, it proposed specific preventive measures from four aspects to the risk of highereducation loan.The research of this paper makes contributions for commercial banks to evaluate and toprevent colleges loan risk as well as colleges itself to reduce their lending risk. |
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