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Formation mechanism and Countermeasures of College Loan Predicament

Author: LiJiaBin
Tutor: SunZuo
School: Jilin University
Course: Accounting
Keywords: Hainan College loans Predicament mechanism Countermeasure Case Study
CLC: F832.4
Type: Master's thesis
Year: 2011
Downloads: 202
Quote: 0
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Abstract

Accompanied by the implementation of the policy of China's college enrollment, higher education is booming, no small achievement in education and research. In higher education from elite rapid transformation over the process toward the mass market also produced a series of college loans, because the institutions of higher education enrollment ratio and effective support for teaching software and hardware at the same time, With the doubling of the number of students, the college's original faculty and teaching infrastructure has been unable to meet the rapid growth speed, input demands an increasingly large scale of Higher Education. Universities nationwide are urgently needed to inject large sums of money to support their day-to-day operations, and improve school conditions, enhance the comprehensive strength. But the one hand, the government put on college financial funds, government investment can not meet the rapid universities, need to flourish; On the other hand, the college career income growth space, after all, limited, resulting in institutions of higher learning have to seek other funding channels avenue for settlement, then policy-based reasons, the foreign introduced creditors immediate financing for the new channel, to become an effective means to ease the tension of university funds, loans from the banks naturally become a source of funding for colleges and universities Select. All of a sudden, the leverage into provinces, the massive presence of the phenomenon of college. College loans scale dramatically increased at the same time did not pay attention to risk control and blind expansion in the use of the loan funds, the objective phenomenon of low efficiency of resource allocation, excessive debt makes debt service increasing pressure on colleges and universities face in debt business colleges and universities that have appeared serious problem \Many colleges and universities are involved in the financial crisis. 1988, Hainan, Fujian Province, late compared with other provinces and cities, higher education started late, low levels of education than the same level, Hainan's institutions of higher learning not only a small number of common infrastructure, weak faculty and other issues, but also in the higher education expansion such environment, facing a more difficult situation. The face of the other provinces brothers college massive debt, the expansion of the development trend of education all the way forward, Hainan universities also took to follow the example of the road. But lower financial income of Hainan, institutions of higher learning have healthy and thin, the development path of Hainan loan for college necessarily different from the situation of the the developed province or the well-known institutions of higher learning, how to prevent and control the universities over-leveraged the risk of positive efforts to safeguard the financial security of the institutions of higher learning to ensure the stable and healthy development of the cause of higher education, the central government, the Ministry of Education and the banks and other creditors, as well as the university itself solved an urgent task. Through analysis of Hainan colleges and universities in recent years, we can see how the funds of Hainan University development needs huge fiscal income and business income are limited, college development funding gap caused by large external financing to solve might be so in subsequent years need to repay the principal and interest of foreign college normal operation of a certain risk, colleges and universities have limited capacity to repay the loan. This article focuses on the hot issue of the university loan predicament, based on the survey of nine colleges and universities in Hainan, described business development process and the current state of the College of Hainan liabilities and further analysis of its causes, including The high cost of university merger integration of resources, college expansion reckless and disorderly, wasteful and inefficient use of loan Absence of Government lack of financial investment to its poor financial supervision. Invested theories and other proceed from microeconomics and Higher Education, the theoretical basis looking for college loans may solve the crisis help, based on the debt situation of Hainan universities, according to the actual situation of the universities of the province, while drawing on other the the provinces universities liabilities school experience method defuse countermeasures and foreign literature, from the government, banks, institutions of higher learning itself three analysis and summary of the problem and explore possible to resolve the plight of the college loan countermeasures. Proposed some countermeasures to solve problems of college loans, and to help colleges and universities out of the debt trap, normal operation and sustainable development. Finally, the draw should increase fiscal spending in higher education and supervision, establish and improve the college financing system, diversify its financing channels, scientific planning of the operation and development of the Higher Education and the reasonable control of the cost of college operations, the establishment of a sound college budget system to resolve the universities loans formed a series of questions to provide a reference to the results of this study.

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