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近几年,高等学校为扩大招生规模,纷纷向银行贷款搞基本建设,高校贷款扩建成为一股热潮。贷款在为高等学校带来快速发展的同时,也给高校带来了很大的风险。为确保高校财务安全,规避风险,高校应重点做好筹资贷款的决策、资金使用控制和监督、制定切实可行的还款计划和措施等几方面的工作。一、高校贷款的特点1、期限长由于高校贷款大多用于基本建设投资,如校园扩建、新校区的建设等,这些项目建设周期都比较长,具有长期占用的显著特点。2、利率低为了体现高等学校发展教育、科
In recent years, institutions of higher learning have made loans to banks for capital construction in order to expand the enrollment scale. The expansion of university loans has become an upsurge. Loans bring rapid development to colleges and universities, but also bring great risks to colleges and universities. In order to ensure the financial security of colleges and universities and avoid risks, colleges and universities should focus their efforts on the decision-making of fund-raising loans, the control and supervision of fund use, and the formulation of practical repayment plans and measures. First, the characteristics of college loans 1, a long deadline As the university loans are mostly used for capital construction investment, such as campus expansion, the new campus construction, these projects are relatively long construction cycle, with long-term occupancy of the salient features. 2, low interest rates in order to reflect the development of higher education, science