在保证当前中小学校车的长期安全运营问题中,资金问题是其核心问题,本文提出以公用经费作为担保建立校车基本信贷制度,并通过政府政策支持和商业银行提供可行的信贷管理办法,由政府、银行、校车企业和学校共同承担校车的购置和运营费用的模式破解校车资金问题。 In ensuring the long-term safe operation of the primary and secondary school bus, the capital issue is its core issue. This paper proposes to set up a basic school credit system with public funds as a guarantee. Through government policy support and commercial banks to provide viable credit management measures, Banks, school bus companies and schools share the school bus purchase and operation costs of the model to solve the problem of school bus funds.