| 公立高职院校贷款风险与对策探析 |
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| 引用本文： | 李明伟.公立高职院校贷款风险与对策探析[J].成都教育学院学报,2010,24(7):109-111,126. |
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| 作者姓名： | 李明伟 |
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| 作者单位： | 四川商务职业学院,四川成都,611131 |
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| 摘 要： | 20世纪90年代未以来，我国高校为了扩大办学规模，提高办学水平，通过银行贷款等方式举债大搞基本建设，修建新校区，改善教育条件。举债发展，就存在财务风险。文章结合我国高等教育的实际，对公立高职院校贷款举债发展的必要性、主要特点、存在的问题及相关的风险等方面进行分析，并提出有效防范公立高职院校贷款风险的对策在于：贷款资金的使用必须符合政府部门的有关规定，坚持适度的贷款原则，树立财务风险意识，提高资金使用效益；优化贷款资金结构，确定最佳负债年限；增强资金积累，提高还贷能力；建立贷款风险预警系统。以此确保国家高等职业教育事业持续、稳定、健康发展。
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| 关 键 词： | 高职院校 贷款 风险意识 风险预警 |
Analysis on the Risk and Countermeasures of Loan Problem in Public Vocational Colleges |
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| Institution: | LIMing - wei (Financial Department, Sichuan Business Vocational College, Chengdu, 611131, China) |
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| Abstract: | Since the end of 1920s, in order to enlarge the school scale and improve the education level, colleges in our country turn to large scale basic construction with building new school yard, perfecting environment by different ways like band loan. There is a financial risk if the development bases on bank loan. Combining Chinese high education, this article gives an analysis to public Vocational Colleges involving development by bank loan for necessaries, main features,possible problems and risks,and gives effective suggestions as follows： use of fund loaned from bank must meet the government laws, insisting moderate credit principle, keeping in mind the risk of finance and improving effectiveness of fund usage; optimizing the fund structure of loan, defining the best age limits of debts; focusing on fund accumulation, eubancing the abilities of reimbursement; establishing early wanning system about loan. We can just lead oar high education to develop continually, stably, and healthily by the ways mentioned above. |
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| Keywords: | public high school loan risk precaution of risk |
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