China's College Construction Loan Risk Management Study

It is because our country lays great emphasis on education and carries out the strategy of prospering our country through science education that there is an unprecedented chance of developing higher education in China. The number of students enrolling to all the institutions of higher education increase sharply, so the scale of these colleges and universities expand quickly too. To achieve the strategy object of popularizing the higher education requires a huge amount of money. However, with a fixed state education funds investment, lots of higher education schools have to ask loans from banks to ease the shortage of money for development, and the amount of loan keeps increasing. Nowadays, running schools in debt has been a common phenomenon among the higher education schools in China.This article had first affirmed our country higher education reform obtains the glorious triumph, analyzed the university large amount construction to loan this reforms the reason which the inevitable negative effect formed, pointed out incisively. Our country University debt has not presented the benignity development momentum, the construction loan administration has the risk to know the insufficiency, relied on, the administration of the fund to the loan to be bad excessively, repayments channel sole and so on many questions; Then analyzed Our country University to construct the loan financial risk the pure risk nature, as well as influence risk degree size's each kind of factor, proposed explicitly the government financial organ and university oneself grasped jointly and managed concertedly risk management mentality.This article believed that the government should enlarge to the university invests, guides the university to expand the sources of fund channel positively, constructs the perfect university to construct the loan the supervision system; the financial organ should establish the perfect university loan system, signs each kind of protection contract clause with the university, and establishes the loan track system; various universities oneself should establish the credit risk gradually the early warning system, controls the loan scale suitably, strengthens the construction loan the audit supervision, the strengthening budget management, the multi-channel collection construction funds, reduce reasonably by might and main the credit risk to one, in the acceptable scope. So, our country higher education can continue the healthy development, meets people's education need fully, serves well the socialist construction enterprise.