Our Country Universities Construction Financial Risk Research

With the continuous development of our society, the rapid development of China's higher education has been, is being achieved by the elite education to mass education changes. This corresponds to that of higher education financing model has diversified characteristics. Based on college enrollment, and the spring entrance policy, ushered in the development of China's colleges and universities with good opportunities, the university is by increasing their own strength, to expand their own development. Like other institutions, colleges and universities must have the funds to support the development of the current development of China's colleges and universities there is a state financial support and funding for the development of universities contradiction between the needs, in order to solve this problem, all colleges and universities through debt financing. Colleges and universities through a bank loan for the college's development is undoubtedly a strong financial security, which the conditions for the improvement of university, provided the conditions for sustainable development. However, debt financing is not only the cost of bank loans, but also interest, which for-profit colleges and universities, if the debt is too large, then no doubt it in the development process has a heavy debt burden, if not timely repay the loan would create the risk of debt financing, not only detrimental to the development of colleges and universities, banks would be more detrimental to the development. Based on this study and the status of college debt problems, the construction of college debt risk aversion, it is very important and meaningful.Based on the status of the development of universities in China, leads to changes in financing from the university college debt financing risks; and debt financing from the university characteristics, reasons for the building of the college debt had in-depth analysis and discussion; Based on the above analysis, this politics, banking and different point of view of universities, colleges and universities to avoid the risk of liability proposed measures. Finally, Jiangxi Province, a university, for example, proposed a school construction debt to avoid the risk measures.