Hc University Loan Risk Management Research

From late1990s, Chinese universities achieved the enrollment policy and it made the high education develop rapidly. Because of expansion, the society requires higher education more and more. Just a few years, in order to adapt the rigid demand of universities, most of the University and universities are busy in putting up in stallations by extending the old campus or building new campus, and try to develop by a leap type radually. But at the same time, enrollment is a double-edged sword. During the span of the reforming from "elite education" to "popular education", it needs to improve the higher teaching scale and improve teaching conditions, but the government and financial investment is limited, it is not enough to achieve. So that, it causes deep influence to the University financial situation by relax the policies. While, the management of University and universities, in order to win the competition in the expansion trend, have invested large sums of money to improve school conditions, which brought the financial crisis, and the huge capital gap to the University financial situation. And now it is a common phenomenon for Universities to run a school in debt. In recent years, some University and universities "also the old new borrowed" phenomenon appears day by day. The huge loan has affected the normal operation of University and universities, the quality of fostering students, and even the social and financial stability. Therefore, how to prevent and control the debt risk has become a major emergency for the government, banks, University and universities and even the whole society.Aiming at the loan risk that HC University are facing at present, the article researches on the management risks and provides relative preventing and resolving policies and measurements. At first, the article uses the theories of credit rationing and non-profit organization. Regarding the particular school-running conditions, it starts from the current loan situation, and sets threshold by setting up easier risk preventing system index, constructing loan risk preventing system and making models for loan risk limit control and evaluation. At last, from the perspectives of government, higher educational institutions and banks, it proposes that government should enlarge education investment and raise support in policies, and that higher educational institutions should enhance financial management, diversify education, and that banks should strengthen credit.