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20世纪末高校大规模扩招,使我国高等教育迅速实现了从精英教育到大众教育的转变,随之带来的是基础教育设施等办学规模的不断扩大,教育资金需求逐年增长。1999年,国家在大力倡导高校扩大招生规模时,允许高校向银行贷款发展教育,加上银行对高校贷款政策门槛低、操作简便,因此,近几年高校普遍利用贷款来补充现阶段高等教育发展过程中的资金缺口,这成为高校抢抓机遇、迅速扩张、形成规模效益的主要方式,贷款在整个高校投资体制中所占的比例越来越大。随着高校还贷高峰的到来和还贷能力的有限,巨额本息的支付使高校面临严峻的风险。本文就高校贷款风险的产生以及防范措施进行分析。
The large-scale enlarging enrollment of higher education institutions in the late 20th century has enabled our country’s higher education to rapidly shift from elite education to mass education. This has led to the continuous expansion of the scale of running a school, including basic education facilities, and the ever-increasing need for education funds. In 1999, when the state vigorously advocated that universities should expand their enrollment scale, they should allow colleges and universities to develop education from bank loans. In addition, the low threshold of bank loans to colleges and universities and the ease of operation are the reasons why colleges and universities should make full use of loans in recent years to supplement the development of higher education at this stage This has become a major way for universities to seize opportunities, rapidly expand and form economies of scale. The proportion of loans in the investment system of colleges and universities as a whole is growing. With the arrival of repayment peak in colleges and universities and the limited loan repayment capacity, the payment of a large amount of principal and interest has caused the colleges and universities to face severe risks. This article analyzes the generation of loan risks in colleges and universities and the preventive measures.