Research On The Risk Management Of China Merchants Bank On The Loan Of The Relocation Project Of Shenyang Pharmaceutical University

With the enlargement of the scale of its enrollment of higher education in China,the scale of great-leap-forward development,many colleges have set about building or preparing building new campus.New campus construction project has huge capital demand,long construction period,long payback period,etc,in the limited state financial resources,a high starting point,high standard construction of modernization of the new campus is a difficult task for colleges and universities,the need to solve a series of problem,the new campus construction project financing is one of them.In this context,this article studied the university new campus construction financing channels and risk early warning analysis.Mainly do the following several aspects:First of all,from the financial allocation and tuition collection and education funds,bank loans,school-run industry five aspects analyzes the main financing channel and existing problems in colleges and universities,and risk analysis for each channel and the analysis of the specific risks of the construction of the new campus of colleges and universities.Secondly,college financing risk early warning system is established,including college financing risk information mechanism,the analysis of mechanism and the processing mechanism.Financing risk analysis mechanism mainly from two aspects of qualitative and quantitative analysis of the financing risk,the qualitative analysis of Delphi expert questionnaire method,qualitative index of the evaluation score is obtained by experts,the quantitative analysis of this paper selects some financial indicators of risk analysis,forecasting financial risk,and draw lessons from "the bank loan amount control and risk assessment of institutions of higher learning control model",and the model was modified.Then analyzes the perfect college financing risk early warning problems should be paid attention to in the course of financing provides a certain reference value for colleges and universities.Finally,from the government,universities and bank three aspects proposed the financing risk prevention measures for colleges and universities.Government departments to take measures on macro policy guide,the university itself also should strengthen the awareness of risk,bank loans should also be strict management,to reduce risk.