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20世纪90年代末至21世纪初,我国高等教育规模呈现不断扩大的趋势,已从“精英教育”转向“大众教育”。短短十年间,我国的高等教育毛入学率从1998年的9.8%达到了2007年的23%,达到了世界高等教育发达国家的水平,国家财政收入总额逐年增长,但生均经费拨款却由1998年的8529元降至2006年的5375元。为了满足扩招以及自身发展,高校纷纷建新校区、购置大量仪器设备、引进优秀人才,由此造成了较大的经费缺口。在这种形式下,大多数高校选择了以“银校合作”为主要的方式来缓解高校资金不足的矛盾。高校银行贷款在短期内对高校建设和发展具有资金量大,易较快实现建设目标等有利作用,但随着贷款规模的扩大,高校贷款资金的还
From the late 1990s to the beginning of the 21st century, the scale of higher education in our country showed an ever-expanding trend, shifting from “elite education ” to “mass education ”. In a short span of ten years, the gross enrollment rate of higher education in our country reached 23% of that in 2007 from 9.8% in 1998, reaching the level of advanced countries in the world in higher education. The total state revenue has been increasing year by year, 8529 yuan in 1998 dropped to 5375 yuan in 2006. In order to meet the expansion of enrollment and its own development, colleges and universities have built new campuses, purchased a large number of instruments and equipment and introduced excellent talents, resulting in a large funding gap. In this form, most colleges and universities have opted for “bank-university cooperation” as the main way to alleviate the shortage of funds in universities. University bank loans in a short period of construction and development of colleges and universities have a large amount of funds, easy to achieve the construction goals faster and so beneficial, but with the expansion of the loan, college loan funds