The Assessment And Measures Of Loan Risk Of The Provincial Universities

Along with expanding enrollment in Chinese provincial universities, in terms of each of the provincial universities, their investment needs in terms of education funding, also will be showing a rising trend. However, at the same time, the financial provision has been far from able to meet its funding needs, thus, more and more regarded solve the problem of funding for colleges and provincial universities turned to bank loans. However, with the loan, it will inevitably have a risk, research in this paper aims to make college loan risk assessment and proposed countermeasures. Through literature, theory with practice, case analysis and comparison of other methods, is divided into five parts to expand the detail. The first part, explained the background of the research, explains the significance of this research. Risk assessment and research combined with college loans abroad, to make a detailed introduction and commentary. Finally, the contents of this paper, research ideas and research methods.The second part, mainly for college credit risk theory to make elaborate, And the risk for college loans proposed classification of risk, analyzes the causes of risks arising discuss the dangers of college credit risk can be generated.The third part is a focus of this paper, it is the case for the following analysis provides an important theoretical support. In this chapter, the main research is college loans and loan risk assessment system to control the amount of built model. In terms of risk evaluation index system, analyzes the principle of establishing the index system, and under this principle, a detailed discussion of the establishment of a risk evaluation index system of college loans. In this regard the loan amount provincial universities controls and risk assessment model, the first line of credit for college-related controls to make assumptions based on this proposed model to quantify the amount of college loans, and credit risk assessment analyzes the main methods.The fourth part, on the basis of Chapter III to Z colleges and provincial universities, for example, the risk of their loans to make a detailed evaluation and analysis. Net income from non-restrictive, growth, N-year cumulative net income of non-limiting, N-year cumulative loan limit control. etc., to make a detailed evaluation. which made the risk index Z college loans. get a loan facility and the level of risk measurement results.The fifth part, on the basis of these studies, we propose to prevent college loan risk, control and response measures to prevent risks from the start with the basic ideas proposed American college loan risk prevention measures, analyzes the U.S. for college credit risk prevention measures our major revelation, ultimately, from the provincial universities levels, namely, put forward their own credit risk response and control strategies.Through this study, we hope to help local colleges and provincial universities for their specific liabilities have a proper evaluation and understanding; financial management can help when provincial universities are based on follow; able to help colleges and provincial universities to get in effective risk management constantly development and growth. In addition, this paper studies risk assessment of Z college loans, but also want to be able to provide reference to the relevant provincial universities.