Risk Analyzing Of A Traffic Higher Vocational College’s Bank Loan

With the implementation of the strategy of developing the country throughscience and education, the Chinese higher education has changed from "eliteeducation " to "public education ", iIt has great-leap-forward development. At thesame time, there have been a serious shortage of the education resources. At present,because of the limited state financial resources, to solve the problem of theinsufficient funds during it’s developing process, many colleges and universities usethe bank loans, certainly with potential risks.In this paper using a traffic Higher Vocational College’s bank loan as anexample, the cause of college’s loans was analyzed, the problem of loaning wasproposed, the factors which influence the risk of college loaning were discussedthrough the size of loans, the rate of interest, the loan’s structure and the university’sfinancial management system. Using the college loan risk early warning system andthe model of college loan’s amount control and risk assessment, the reasonable waywas discussed to control college Loan’s amount control and risk, and the riskprevention and control method was discussed in three areas of government, financialinstitutions and colleges.In this topic, the main innovation is to pick up a traffic Higher VocationalCollege’s bank loan as an example, analysis the background of our country’stransportation industry, and the department of transportation’s policy for thiscollege’s bank loan, study the current situation of the college loan risk management,at last, using the department of transportation’s policy, expanding funding sourcesand cost control, the Suggestion was proposed to reduce the risk of college loan.