由于国家高等教育经费投入的相对不足,公立高校引进人才、兴建新校区等所需巨额资金主要来源于银行信贷;相对于高校的还贷能力,其贷款金额巨大,从而带来了潜在的信贷风险。本文对公立高校信贷的金融风险进行系统分析,并提出关于规避和化解高校信贷风险的切实对策。 Owing to the relative lack of government funding for higher education, the huge amount of funds needed to attract and build new campuses in public colleges and universities is mainly due to bank credit. Compared with the loan repayment ability of colleges and universities, the huge amount of loans leads to potential credit risk . This paper systematically analyzes the financial risks of public colleges and universities credit and puts forward some practical countermeasures to avoid and resolve the credit risk in colleges and universities.