Universities Sponsoring Lending Risk Control And Prevention Research

With China's socialist market economy and the establishment of the system of higher education in the reform and development, colleges and universities have entered a super-conventional development stage of the increase. At this stage, the sponsoring colleges and universities have been expanding in the school continually raising the quality of school results have continued to emerge. Since 1999, China has embarked on a general higher education by leaps and bounds in the development of road and realized the scale expansion and accelerating the pace of regular higher education in China from "elite education" to the popularization of education, "the pace, but the rapid development of higher education need of huge funding support. China's higher education is mainly funded from state revenues. Because China's educational expenditures, the proportion of gross national product is very low, and increase funding for higher education increased enrollment far outpaced the needs of higher education, it is necessary to seek new sources of funding to support the development of colleges and universities. In China, universities and nature of their investment, it has a single national investment entities and non-profit organizations in nature, because school funding shortage, higher education must seek new sources of funding to support the development of colleges and universities, it is difficult to attract private capital circumstances, bank loans to college to become an inevitable choice. Universities as a separate legal entity, all bear civil liability. If there is a shortage of liquidity, capital chain suddenly broken, not debt service on time, colleges and universities will face enormous financial risks.In this paper, the basic concept of risk from the start of the lending risks, colleges and universities in layers and the concept of credit risk analysis, and colleges and universities with the concept and nature of this on the basis of the risk of loans to colleges and universities were analyzed. The article in light of China's actual situation and Universities end of the last century, the beginning of this century characteristics of the times, colleges and universities sponsoring the historical evolution of the sources of funds were compared on the basis of this study in the colleges and universities sponsoring the external reasons for borrowing and internal factors, and in-depth College credit risk demonstrated formation of external factors and internal factors, the above causes of the Prevention and Control of colleges and universities lending risks has proposed the establishment of both external and internal mechanisms to prevent the assertion that the education authorities, financial institutions, colleges and universities three perspectives on the college loan risk prevention and control of the corresponding measures. The article also suggested the introduction of Colleges and Universities credit risk early warning system, set up a bank line of credit control and the establishment of a risk assessment model, the control of colleges and universities with a view to finding a reasonable way to the risk of loans.