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近几年来,随着高教改革的深化,银行信贷资本大量涌入高校,银行信贷资金成为各高校解决超常发展所需资金的有效渠道,促进了高教事业的发展和扩张。然而不少高校也因之而背上沉重债务负担,引发了较大信贷风险。本文在分析高校过度负债产生信贷风险的现状与成因的基础上,提出相应的控制对策。
In recent years, with the deepening of the reform of higher education, a large influx of bank credit capital into colleges and universities, bank credit funds have become an effective channel for all colleges and universities to solve the extraordinary development of funds required, and promote the development and expansion of higher education. However, many colleges and universities also suffered heavy debt burdens due to this, triggering a big credit risk. Based on the analysis of the current situation and causes of credit risk in over-indebted universities, this paper puts forward corresponding control measures.