The Study On The Preventions Of The Credit Risk Between Banks And Universities

The credit cooperation between banks and universities not only relieves the financial bottleneck of the development of universities in China, but also creates a realistic option for business banks to develop their market and improve the quality of the credit asset. In essence, the corporation between banks and universities emerged which has a win-win effect is caused by the change of macro-economy environment, the adjustment of the micro-behavior and the interior force between them. However, the credit risk is increasing as the cooperation scale broadens. As a result, how to prevent and resolve the credit risk scientifically has become an important task in the present strategy . management between business banks and universities. First, this thesis following will define some relative concepts of the credit cooperation between banks and universities, expound the backup theories on preventing credit risk which are known as the balance sheet management theory and credit risk management theory of the business bank and point out the potential risk in large amount loans on the basis of analyzing the meaning and necessity of the credit cooperation between business banks and universities. Secondly, it will analyze the causes of the emergence of credit risk between banks and universities in terms of universities, business banks and the environment outside, come up with some specific countermeasures in preventing and resolving the credit risk so as to ensure the credit cooperation being operated stably in a normal and legal way and promote the development of our education and financial industry persistently and soundly.