对高校银行贷款额度控制与风险评价模型的探讨

随着高校改革的不断深化，高校的筹资渠道呈现出多元化的趋势，在财政投入不足的情况下，向银行借款筹资成为高校经费的重要来源。如何控制高校银行贷款额度及防范财务风险越来越受到人们的重视。本文介绍了高校银行贷款额度控制与风险评价模型。并根据高校之间的差异，定量分析不同高校的风险系数和风险调整折现率，运用资本资产定价理论对模型进行改进，使据此作出的财务决策更加科学与稳健。

A Study of Controlling Bank Loans and Models of Risk Evaluation for Higher Education Institutions

With further development of higher education institution reform,finance resources have become diversified.Under situations of insufficient investment,loans from banks have become an important way of fund raising for higher education institutions,therefore how to control bank loans to avoid financial risks has attracted more attention than ever before.The paper will mainly introduce how to control the quantity of loans and models of risk evaluation according to differences among higher education institutions...