Design Of Prevention Of Financial Risk In J University

Around 2000, many of our institutions of higher learning have been reorganized, after the merger of the new school. Scale much larger staff and more numerous, the complexity of the university management is geometrically delivery. Increase. While the financial allocations have increased, the self-financing colleges and universities also increased. Increase in those who are unable to meet the university's development is far from the amount of funding needed. Thus, in the increasingly fierce. Competitive environment in place, most colleges and universities have chosen the road of education loans. Bank loans although to some extent, ease the rapid development of the school brought financial pressure, but with the repayment Of the arrival of many colleges and universities have also fallen into financial difficulties, mainly as subordinated loans, low income source inadequate, and even daily economic activities are difficult to sustain. Later, the government's intervention to ease crisis solution, many colleges and universities gradually out of the woods, toward the right direction. In the new path of development, such as the system, efficient allocation of financial resources to schools through the establishment of indicators and early warning mechanisms, to understand run their own internal financial problems hidden in a timely, accurate, monitoring, forecasting, financial control schools.Business risks, the current higher education has become an important part of financial management. Significance of this study mainly by colleges and universities to explore the existing financial risk, to find these risk factors. Prime characteristic, and analyze the reasons for its formation, while according to the current economic situation as well as some expectations of future policy to explore ways to avoid or reduce the university's financial risk approach, and then develop a program for university administrators who want to provide some management ideas or work in their be given warning, in short, the purpose is to allow colleges and universities can effectively guard against financial risks, improve their viability and competitiveness in the rapidly growing closer and better on the road, can hold onto the real sustainability development.This article discusses three parts: the first describes the look as the university for the study of the situation of J University. J University, is a bit special, she is a merger of many colleges and universities, with a large number of more complicated features, choose a university research university as a research object to financial risks. Insurance issues that the author is more representative. After the study authors found that J University of Finance. Risk mainly by three factors. Objective factor is the lack of government investment, university enrollment has been rapidRapid development, but the growth rate of government investment is far behind J University of the funds needed by the development and construction. Long rate, leading to J University had to bank loans to ensure that the school development needs; direct factor is the silverBank loan review is not strict, such as banks face J University of universities, colleges and universities that the risk of lending to very small, and there are "Bank-School Cooperation" and other policies, so he relaxed the approval of the J college loans Scale. In addition, J University's own budget constraint ineffective management of financial risk is a potential cause Factor.In short, the face of the university to financial risk, while state colleges and universities to increase the financial investment into the other colleges and universities to do a good job against a variety of financial risks, and further establish a sound banking loan management system and internal control system, strengthen the university's debt management, the financial risk of a university will be effectively controlled and resolved, colleges and universities will be smooth and healthy development.