Based On The College Loans Of The Financial Risk Assessment And Prevention

Nowadays colleges and universities in our country are expanding rapidly. The financial risks of the college loans are continue increasing. The thesis is divided into five sections, and uses several research methods.The first step of study the college financial risks, is to study the definition of financial risks, the classification of financial risks, as well as the reasons and status quo of college financial risks. The most important part of the thesis is to quantify the financial risks. The paper chose the AHP as an evaluation method. To study the basic principles, the basic process of AHP and some attention points. According to the principles of indexes selection, the paper builds the financial risks indexes system. The indexes system established by the steps including: sieving of indexes, setting target weights and consistency test, using the method of setting targets. By studying the warning line of each index, the paper sets the warning line of indexes system in the end. In the end of this part, there is an example to prove and analysis the warning line of indexes system.The purpose of warning is to prevent. The paper studies preventive measures of Chinese college financial risks from the macro and micro points of view. T The macro-specific measures including: 1. strengthening the financial input responsibility to ensure the normal functioning of college operation; 2. improving the use of credit funds policies and maintaining the sustainability of school loans; 3. issuing education bonds or education lottery, unified mobilization of the construction funds for colleges and universities to depress the cost of capital; 4. strengthening macro-control efforts, improve risk warning tips. The micro-specific measures including: 1. strengthening the credit risk management awareness, scientific planning, appropriate loans; 2. strengthening loan project's management and paying attention to investment returns; 3. improving the quality of teaching and maintaining the stability and growth of students; 4. strengthening budget management and Improve efficiency in the use of funds; 5. improve the quality of financial management, and actively identify and guard against financial risks; 6. establishing a sound risk control mechanism, in order to effectively defuse financial risks.