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近年来,国家允许高校贷款及借债,商业银行从业务角度也可以提供相应的贷款资金。然而,高校的巨额信用贷款为高校带来了财务风险,导致高校财务状况不断恶化,由于高校负债率过高,巨额的信用贷款产生了沉重的利息负担,从而影响高等教育质量。因此,对高校贷款进行合理规划,降低贷款风险是十分必要的。(一)确定高校合理的负债比例
In recent years, the state has allowed universities to borrow and borrow, and commercial banks can also provide corresponding loan funds from the business perspective. However, the huge credit loans in colleges and universities have brought financial risks to colleges and universities. As a result, the financial conditions of colleges and universities have been deteriorating. Due to the high debt ratio in colleges and universities, a huge amount of credit loans have a heavy interest burden, which affects the quality of higher education. Therefore, it is very necessary to make reasonable planning for university loans and reduce the risk of loans. (A) to determine the reasonable debt ratio in colleges and universities