我国高校为了解决扩招后教育资源不足而进行大规模新校区建设。巨额的银行贷款解决了事业发展中的实际困难,同时给高校带来了财务风险。本文针对贷款高校主要财务风险,从政府、高校、银行三个角度提出了化解财务风险的措施和办法。 In order to solve the shortage of education resources after enrollment expansion, our country’s colleges and universities to carry out large-scale new campus construction. Huge amounts of bank loans have solved the practical difficulties in business development and brought financial risks to colleges and universities. In this paper, the main financial risks of loans to colleges and universities, from the government, colleges and universities, banks put forward three measures to resolve financial risks and methods.