本文選題：高等學校 + 銀行貸款��； 參考：《廣西師范大學》2013年碩士論文

【摘要】：隨著高等院校的連續(xù)擴大招生,學校規(guī)模不斷擴大,經費投入不足與學校事業(yè)發(fā)展對資金需求擴大的矛盾日漸突出。學�；窘ㄔO、基本設施改造壓力很大,資金不足已成為制約高校擴招任務完成的重要因素。為了適應這種發(fā)展的需要,近幾年高校普遍開始了加大對學校建設的投入。我國公辦高校利用商業(yè)銀行貸款負債辦學模式在悄然的啟動并迅速發(fā)展起來。近幾年來,學校貸款負債也成為媒體關注報道的焦點,高校貸款問題開始受到了社會大眾的廣泛關注。 本文從四個方面分析了高校巨額舉債的原因,以及并通過對高校貸款的現(xiàn)狀分析引出公辦高校的風險研究,并利用了財務指標體系來進行分析,本文提出了如何解決負債風險的幾點對策：1.高校首先要制定貸款規(guī)劃,提高資金使用效益,健全內外部審計制度,必將貸款計劃納入預算管理體系中；2.政府應建立募捐機制為高校吸納更多的資金,也應逐步的增加對教育的投資,建立多元化的籌資渠道；3.銀行應在高校貸后管理中發(fā)揮重要的作用,以及靈活的運用還貸方式,創(chuàng)新金融產品。以上措施將貸款風險降低到一個合理的、可接受的范圍之內。
[Abstract]:With the continuous expansion of the enrollment of colleges and universities, the scale of the school continues to expand, and the contradiction between the lack of funds input and the expansion of the demand for funds in the development of the school cause is becoming increasingly prominent. There is great pressure on the reconstruction of the basic facilities and the shortage of funds has become an important factor restricting the completion of the task of enrollment expansion in colleges and universities. In order to meet the needs of this development, colleges and universities have generally begun to increase investment in school construction in recent years. The mode of running a school with loan liabilities of commercial banks in China's public colleges and universities has quietly started and developed rapidly. In recent years, school loan debt has also become the focus of media coverage, and the issue of college loans has been widely concerned by the public. This paper analyzes the reasons for the huge amount of university borrowing from four aspects, and through the analysis of the current situation of university loans leads to the risk research of public colleges and universities, and makes use of the financial index system to analyze. This paper puts forward some countermeasures on how to solve the liability risk: 1. Colleges and universities must first formulate loan plans, improve the efficiency of the use of funds, improve the internal and external audit system, and must bring the loan plan into the budget management system. The government should establish a fund-raising mechanism to absorb more funds for colleges and universities, and should gradually increase investment in education and establish diversified funding channels. Banks should play an important role in the post-loan management of colleges and universities, as well as flexible use of loan repayment methods, innovative financial products. The above measures reduce the loan risk to a reasonable and acceptable range.
【學位授予單位】：廣西師范大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：G647.5

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本文編號：1822569