政府“化解高校债务风险”的金融学分析

从金融学角度看,高校债务本质上是一种借贷关系,包含了借贷双方的权利与义务;在无抵押担保的情况下,银行债权并无强制履约保证;高校如果无力偿还债务,停止还款并不会立刻遭受经济损失,因此没有破产风险。政府部门主动出资＂化解高校债务风险＂,说明：高校并没有沦落到破产的地步;政府部门不愿意高校失信于银行,从而失去继续获得银行信用贷款的机会;银行贷款已经成为高校生存的重要资金来源。

A Financial Analysis on the Government's "to Resolve the Risk of College Debt"

Viewed from the financial point,University debt is essentially a debtor-creditor relationship,including rights and obligations of both parties;in the absence of collateral,the banks do not have mandatory performance bond claims;University if unable to repay its debts,and stop repayment would not immediately suffer economic losses for there is no risk of insolvency.Government-funded initiative＂to resolve the debt risk of colleges and universities,＂Shows that universities have not reduced to the point of bankruptcy;government departments do not want universities to lose the trust of bank,and thus lose access to bank credit opportunities;also bank lending has become an important sources of funding for college survival.