Research On Debt Settlement Of Tianjin Municipal Colleges And Universities

At present, it is a fairly common phenomenon that universities develop with liabilities.In the context of the continuous enrollment expansion of higher education and the lack of government investment in education,universities have no chance but to raise funds through bank lending. However, the continuous expansion of the scale of university debt has seriously affected the daily operation of universities and teaching and research activities,which brings huge risks to the development of universities. As the non-profit public service organization, universities face the practical problem of how to repay huge loans by broadening the channels of fund raising, improving the ability of fund operation and strengthening the level of financial management. On the one hand, the resolution of university debt cannot be separated from the government's financial support; on the other hand, as the user of loans, college has inescapable responsibility for repaying the debt.In 2009, the Ministry of Education explicitly included "The Resolution of University Debt Risk Work" in the annual work outline. In 2010, Tianjin started to resolve bank debts of municipal universities according to the ownership. This paper briefly introduces the characteristics of university debt and the impact of debt risk from the macro level. At the same time, this paper introduces the status quo of the debt resolution work of municipal universities in Tianjin in detail. In addition,taking the municipal X college as an example,this paper analyzes the quality of the debt resolution work through the loan control quota and risk index calculation with the help of "University Bank Loan Quota Control and Risk Assessment Model" from the micro level. On the basis of fully analysis of the current situation of local university debt and the debt resolution quality, this paper analyzes the factors that restrict the debt resolution quality of local universities. Combined with American management experience of university debt, this paper puts forward relevant measures to improve the debt resolution quality of local universities from the perspective of both the government and universities.