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Study of Loan Risk of Colleges and Universities

Author: ChengJinHui
Tutor: WangXingYu
School: Henan University
Course: Finance
Keywords: Colleges and universities Credit Risk
CLC: F832.4
Type: Master's thesis
Year: 2010
Downloads: 168
Quote: 4
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Abstract

The end of the the 90s of of the last century, the the CPC Central Committee and the, the State Council to make a a to expand of the major decisions of the the of Higher Education enrollment scale of the, the the colleges and universities school sponsoring scale is continually to expand, In order to to ease the the relatively the the pressure of of insufficient of in the of Running School after resources in in the Context of Enrollment Expansion, the various colleges and universities one after another began to to carried out the the engineering project of the the construction of the new campus of, and constantly to improve the the conditions of school. But, due to the the channels for sources of funds is the relative narrow, the the the serious the contradiction of insufficient of of the of Higher Education put into has become increasingly prominent, In In order to to to get rid of the the plight of funds for construction, in the the the under the guidance of of the national policy, the the all colleges and universities began to seek the bank loans support the schools the cause of the development of. Basic construction loans mitigation a the tense the plight of of the the the conditions of school brought about by a result of the Enrollment Expansion, and but it exacerbated the the the pressure of of all colleges and universities debt service,, also harbored the forward to a great deal of the financial risk, and If the chain of funds is suddenly the fracture, can not be on time debt service , the institutions of higher learning is is bound to plunged into the a serious crisis, or even will trigger a series of social problems, how to measure the, and circumvent the the of the financial risk of of institutions of higher learning on the became the we the the subject of of Issues Urgent to be Studied. From the the basic concepts of of the risk, the of this article to start, that the to combined with liabilities of the the concept of by institutions of higher learning and the nature of, on the the the of the loans risk of of institutions of higher learning carried on the key analysis of. To consider the the the the the actual condition and the specific the characteristics of the times of of the in China Universities, analysis of a the the causes of the loans of institutions of higher learning, pointed out that the Institutions of higher learning choose their own banks' loans has its inevitability, and pointed out that the that the bank loans is the an \The-style development the, but but also makes the to facing the some colleges and universities the the a heavy of the debt the burden of of, generate the the risk of loans. Through the the establishment of the system of the Risk Assessment of the the colleges and universities bank loans of the in the the Wen, on the the in the the the colleges and universities existing financial management and the the accounting accounting of the basis of, in through the to settings a a series of of scientific, the high-sensitivity the financial indicators of, to observation of the its changes in and the development of trend, on the the colleges and universities might faced with of the financial risk the implementation of the forecast, and to put forward the the of the the recommendations measures of of the control risk. For the to further strengthen the the the the norms and management of of of the on the the colleges and universities loans behavior, to ensure that the health of the of Higher Education the cause of, sustainable development, it is imperative is a is necessary to strengthen the the colleges and universities loans management the work of, on the one hand to straighten out the the the guiding ideology of of the colleges and universities loans, a clear the the of the the use of the direction of of of the loan funds, to strengthen the management of of the loans funds, scientific planning, moderate loans, improve the the the efficiency in the use of of funds, and strengthen the the constraint of financial budget, and enhance the consciousness of of financial risks to, the establishment of the the system of bank loans management; On the other hand want to to broaden the the raising Channels of funds, and efforts to increase the the income, the institutions of higher learning want to break the traditional fund-raising the concept of, on the the education on Financing for system carried out to system innovation, take full advantage of the the capital the market to to to attract the social funds to, mobilization of education funds through the the a variety of market-based instruments of the social investment, financing, education treasury bonds, and, etc.. Of this article foothold colleges and universities financial management the work of reality, through the the The theory and Practice of-phase combination of research methods, on the the carried out a system analysis of to the the bank the risk of loans of Higher Education of, through the the means of of the the risk of loans of bank in higher education institutions evaluation of model, and, etc., the come to a series of of the the risk of defuse the colleges and universities bank loans the the conclusions of, and combined with the a certain colleges and universities instance of of the domestic, and In order to expand the the scope of management of of Colleges'and Universities' Inancial, and constantly enhance the the the colleges and universities the level of financial management, to achieve the Higher Education of the sustainable the development of to to provide the some of the recommendations and train of thought.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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