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随着我国高等教育的迅速发展,高校大规模扩大招生,教育资金短缺日益成为阻碍高校发展的瓶颈,越来越多的高校选择了银行贷款的途径来解决这一问题。银行贷款办学一方面给高校带来了快速发展,另一方面也带来了风险。本文通过对高校贷款产生的主要原因、存在的问题及相关的风险等方面进行了系统的分析,对高校银行贷款的风险提出了一些防范措施。
With the rapid development of higher education in our country, colleges and universities enlarging their enrollment on a large scale, and the shortage of education funds are increasingly becoming the bottlenecks hindering the development of colleges and universities. More and more colleges and universities have chosen bank loans to solve this problem. On the one hand, bank loans have brought rapid development to colleges and universities, on the other hand, they have brought risks. This paper systematically analyzes the main causes, existing problems and related risks of college loans, and puts forward some preventive measures to the risks of bank loans in colleges and universities.