With the continuous expansion development of our higher education scale,the demand of fund has been increasing these years,due to the shortage of governmental financial fund,great part of public universities went back on commercial banks to apply educational loans,as a matter of fact,all the fund has been the great power of development of higher education,however,excessive loans may cause the serious crisis of universities.This paper begins with the concept of risk of universities liability,with the analysis based on the stakeholder theory,from the aspects of government,bank creditors,college students,college itself to get the potential institutional,systematical,market,and industrial reason.After a careful research,we believe that the liability risk can be dispelled through the cooperation with the government,bank creditors,college students,college itself to increase the input of educational resources,decide the scientific scale of loans,careful argue with the loan projects,create the income channels of colleges and universities.
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