高校贷款风险防范与化解

由于国家财政暂时无法解决教育投入不足与教育需求缺口大的矛盾，高校在取得财政拨款的同时，通过举债来筹集急需资金，利用自身人才与科技优势，提高高校自身经济实力，扩大办学规模，为国家培养更多更优的各类人才。但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财务风险，高校要抓住时代的机遇，慎重地科学地规避其风险。

Prevention and solutions of loan risk in colleges

Because of the conflicts between the big gap of educational requirements and the shortage of educational devotion which national finance cannot solve, colleges ＆ universities take great advantage of their own persons with fine qualifications and scientific technology, while obtaining financial appropriate funds, to improve their economic strength and enlarge their schoollrunning scale by borrowing money as a method of raising necessary funds. This can help to foster more persons with better qualifications. But with the fast coming of returning loan and the limited ability of returning ability, the huge payment of loan and interests make the school face severe financial risk. The schools should take the uncommon opportunity of the age to avoid the risk scientifically and cautiously.