In Local Universities And Research The Loan Risk Prevention

with our college enrollment expansion in 1999, the implementation of the policy of local universities in the spring, the rapid development of local university scale expands unceasingly. On one hand,place the expansion of the scale of higher education can provide for more people to accept higher education opportunity to improve the quality of the whole nation, and has important practical significance, On the other hand give local colleges and universities has brought great financial pressure, shortage of funds became troubled places the biggest obstacle of the development of higher education institutions. The local colleges, to solve the shortage of funds is the most efficient way to raise funds, bank loans from the bank loans local universities in the short-term funds can effectively relieve the local colleges and universities in financial pressure, promote the development of local universities, On the other hand, under the influence of various factors, the local colleges and universities to bank loan is accompanied by risk behaviors. Therefore, the study of the loan risk in local universities and preventive measures to prevent the loan risk, promote local universities and fast development, constructing the harmonious university has important theoretical and practical significance.Article is divided into five parts:the first chapter introduces the main introduction background and significance of the study, the paper studies the status quo, expounds the research methods of thinking, innovation, and insufficient, etc. The second chapter in local colleges and universities from the place where the loan risk colleges and universities aspects of the definition of the relevant local loan risks, and from the concept of public goods theory and risk management theory and the theory of the cost sharing this loan risks in local colleges, based on the theory of scale, risk management and risk of interest rate risk and risk of development is the main credit risk in local colleges and universities to place from the type of fees and illegal behavior in local colleges and universities, and financial education quality, cause local government financial burden and local universities capital chain rupture in four aspects discusses the loan risk of local university. The third chapter from scientific principle, the optimization principle, the principle of the feasibility and dynamic analysis of local university principle of perfecting the loan risk evaluation index system is set up and the loan risk evaluation index system, and local universities loans control and risk evaluation model. Chapter 4 X college credit risk analysis of the case. Chapter in the loan risk analysis of X-ray university, on the basis of the specific situation from universities, government and the bank three aspects of local university loan risk prevention countermeasures.