论高校银行贷款的风险及控制

近年来，我国高校因扩招和应对教学评估频频向商业银行举债，作为非营利机构的高校，银行贷款风险逐步增大，这给高校发展埋下隐患。作为高校最终责任承担者的政府，应该对高校贷款进行约束和监督，并采取安排专项经费还贷、办理展期还款以及允许高校用财政事业费还贷等措施，以避免最终无法收拾的局面。

On Loan Risk of Institutions of Higher Learning and Its Control

In recent years,with enlarged enrollment and teaching evaluation,institution of higher learning borrowed money from commercial banks.Since institutions of higher learning are non-profit institutions,the banks are facing increasing risk,which will become a hidden trouble for further development of institutions of higher learning.Therefore,the government,as the undertaker of final responsibility,should take measures to restrict and supervise loaning of institutions of higher learning.In this paper,the author suggests that special-purpose funds,postponed funds and government finance grant be allowed to pay off debts of institutions of higher learning so as to avoid greater loss.