联系我们

论文查询结果	返回搜索

论文编号：	2260
作者编号：	2220080657
上传时间：	2010/6/6 14:20:53
中文题目：	我国高等学校贷款问题及贷款分解手段研究
英文题目：	Loans and loan institutions of higher education means of decomposition
指导老师：	孙广平教授
中文关键字：	高等学校;高等学校贷款;贷款风险;贷款分解
英文关键字：	higher education;higher education’s loan;credit risk of loans
中文摘要：	回顾我国高等学校扩招历程，自1999年全国高等学校扩招开始以来，高等学校就进入了规模发展的快车道。伴随着高等学校的扩招，“银校合作”也很快发展为一股风潮并在全国众多高等学校中铺展开来。伴随着还贷期限的临近，高等学校通过挤占办学经费偿还银行贷款的方式使其财务状况日趋窘困，并逐步陷入了以贷养贷的恶性循环，致使高等学校财务运行风险增加，财务危机突显。在高等学校财务运行面临危机的同时，一些高等学校为缩减办学成本，不得不压缩学生经费、办公经费、学生实习与实验经费，使得教育质量难以得到保障。 本文从高等学校的贷款现状入手，以高等学校的实际情况为着眼点，分析了我国高等学校贷款风险的成因、贷款风险分类与特点，并结合实际给出了贷款风险化解的手段。本文共分四章进行论述。第一章主要介绍本文的研究背景、国内与国外研究现状的回顾、主要的研究内容与研究框架安排以及可能的创新点。第二章通过将我国高等学校的筹资方式与企业、国外高等学校进行对比，分析出我国高等学校贷款的特殊性，从而为第三章论述我国高等学校贷款风险的界定、成因及构成做好铺垫。第三章则主要阐述了目前我国高等学校贷款的界定、成因及构成风险。同时本章以委托代理理论、产权理论为依托，分析我国高等学校过度贷款的深层次原因。第四章由高等学校贷款风险的成因以及风险构成入手，不但阐述当前使用的贷款分解手段，而且还给出了可行的贷款分解手段。结合教育部、财政部2004年发布的《关于进一步完善高等学校经济责任制加强银行贷款管理切实防范财务风险的意见》，分析了A高等学校的财务状况，并结合A高等学校的特点给出风险化解手段。
英文摘要：	Recalling the history of China's higher enrollment, since 1999 colleges and universities were into the scale of development on the fast track. With higher enrollment, the "bank-school cooperation" soon developed into a big wave. With the repayment period is approaching, higher school funding through the misuse of bank loans to repay their financial situation means increasing embarrassment, and gradually fell into lending support to the vicious cycle of loans, resulting in an increased risk of financial operation of colleges and universities, financial crisis highlighted while some universities reduced the operating cost, e.g. reducing the students’ compressing expenses, reducing office expenses, reducing the fund for students internships and experimental were making difficult to guarantee the quality of education. This article from the status quo of higher loan to the actual situation of higher education institutions to focus, analyze the causes of China's higher credit risk, loan risk classification and characteristics, combined with the actual credit risk given the means to resolve. This paper is divided into four chapters. The first chapter introduces the research background, the status of domestic and foreign research review, the main content and the research framework of the arrangement and possible innovation. The second chapter by way of funding our universities and enterprises, foreign universities are compared to analyze the particularity of our colleges and universities loan to China for the third chapter on the definition of higher credit risk, causes and pave the way form. The third chapter expounds the loan current definition of our colleges and universities, causes and risks. This chapter also principal-agent theory, property rights theory as the basis, analysis of the higher underlying reason for excessive lending. The fourth chapter by the higher risk loans to start with the causes and risk posed not only explain the current means of loans for use in decomposition, but also gives a feasible means of loans decomposition. Combined with the Ministry of Education, Ministry of Finance released in 2004 on "Further Improvement of the economic responsibility system to strengthen management of bank loans and guard against financial risk of the" analysis of the financial situation of higher A and A combination of the characteristics of higher risk given means resolved.
查看全文：	预览  下载(下载需要进行登录)