Investigation On Loan Risk Management Of Higher Education

The scale of higher education has been expand quickly since 1999, so it is common for people to active the elite education in China. But the rapid development of higher education needs a huge fund support. In our country, higher school is nonprofit organization and its development needs the investments of government. But in this time, the investments of government are not corresponding to the development of higher education. If the floating capital appears a shortage and the fund chain suddenly breaks, the colleges and universities will face a huge financial risk and they will be no ability to repay the principal and interest on time . The financial management of the high schools has changed from non-risk management into risky management. It is an important problem of the financial management that how we consider and avoid the risks facing the financial status in high schools.In this paper, the debt concept and the nature limits of high school are proposed, which obtains from the risk basic concept by the level analysis of the financial risk and the college finance risk concept. Based on the above analysis, the college loan risk is importantly discussed. In this paper, the reason of higher schools loan has been analyzed and the inevitability of the loan has been educed. There are two effects using the bank loan. A reasonable debt is an activator for the development and innovation of higher schools in positive effect, and it could achieve the fast development for our country higher education in recently, also maintained the higher education quality to healthily develop. The introduction of early warning system for college debt risk is proposed in the article. A bank loan money sum control and the establishment risk assessment model is established, so that a reasonable way to control the college loan risk is found on time. To strengthen the normalization and management of universities loan standard and insure a health and sustainable development the higher education enterprise, the urgent matter is strengthen the universities loan supervisory work. It needs to correct the universities loan guiding thought, nail down the use direction of the loan fund, strengthen the management, program scientifically, debit moderately, enhance the benefit, strengthen finance budget restraint, control the disbursement inflate strictly, enhancement finance risk consciousness, and establishes the bank loan control system. The colleges must open up the channel for fund raising, increase the income, and break the traditional finance idea, to innovate a finances system, fully use the capital market attraction society fund, invests, financing, and the national education debt on society. Finally, shortage of fund has appeared in some universities and it is difficult to maintain the daily expenditure, so the innovation of financing way and credit system have been carried on the discussion to looking for a way to melt the loan risk.Strengthening the research on the risk system based on the reality is propitious to the instructing the loan management and financial management, the promotion of management level, and the realization of sustainable development higher school.