文档介绍：河北大学
硕士学位论文
省属高校贷款风险管理研究
姓名:王胜霞
申请学位级别:硕士
专业:高等教育学
指导教师:杨会良;胡保利
2011-05
摘要
摘要
自 1999 年我国提出高校扩招政策以来,各高校都开始扩大招生规模,尤其省属高
校,希望以此为契机实现跨越式发展。然而,在各高校大幅度增加生源开始规模扩建时,
国家的教育投入并没有同比增加,经费不足成为多数高校面临的共同问题。为缓解这一
矛盾,各高校纷纷向银行求助,开始了广泛的“校银合作”。如今,负债办学已成为我
国高校的一种普遍现象。
毫无疑问,负债是一把双刃剑,它一方面暂时解决了高校资金短缺问题,一方面又
改变了高校的资本结构,使其背上了债务包袱。若债务负担过重,高校则会出现不能按
时还本付息的风险。从目前高校的贷款情况来看,并没有呈良性发展,许多高校因还款
高峰期的到来面临着巨大的偿债压力,也有部分高校已陷入风险之中无法摆脱。
笔者在对已有文献进行分析论证的基础上,从研究相对较少的省属高校出发,对东
中西部分省份的高校贷款情况进行介绍,找出贷款中存在的共同特点和问题,并对其潜
在的风险进行探析,找出风险的原因,在此基础上,从政府、高校自身和银行三方面为
贷款风险的化解和防范提出一些建议,希望对高校贷款管理起到一定作用,从而保证高
校的可持续发展。

关键词高校贷款风险管理

I
Abstract
Abstract
In 1999, the government promulgated a new policy about expansion of higher education.
Then every college began their expansion of enrollment, especially the provincial colleges.
They hope they can developed themselves a lot by this chance. They increased the enrollment
and new buildings. However, the government didn’t increase their input. The lack of
education funds became mon problem which almost ecvery college faced. To solve this
question, colleges turned to banks for help and began a lager-scale “Sliver School
cooperation”. Now, it is e mon phenomenon that colleges operate themselves in
debts.
It is no doubt that the debt is a double-edged sword. On one hand, it solves the necessary
funding problems. On the other hand, it changed colleges’ capital struncture and made
colleges carry heavy debt burden. If the debt is too heavy, colleges will face a loan risk when
they are unable to pay off their due loans. We can find that college loan developed not in a
good state. Many colleges faced a higher pressure of payment and some are in trouble now.
On basis of the analysis of literature, this paper aimes at provincial colleges and introduces
the states of colleges’ loan, and summarizes the main characters and questions of colleges
loan. At the same time, the paper analysed the risk which appea