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论文编号：	3434
作者编号：	2220090755
上传时间：	2011/6/12 12:46:45
中文题目：	高等学校负债办学风险控制研究
英文题目：	Study On Risk Control Of The University Debt
指导老师：	王志红副教授
中文关键字：	高校负债；风险；风险控制
英文关键字：	colleges and universities debt; risks; risk control
中文摘要：	中文摘要 从1999年开始，我国普通高校扩大招生规模。普通高校的招生数量已由108.35万人上升至607.65万人。高校扩招在大幅度提高我国接受高等教育人口比例的同时，也带给高校沉重的贷款债务，很多高校资不抵债，破产隐患已经凸显。所以如何防范和控制高校的负债办学风险是目前社会所关注的热点话题。 本文研究基于上述背景展开。风险管理过程是对各种可能遇到的风险因素进行有效的识别、分析、评价，以最低成本实现最大安全系数的管理过程。其中风险预警是实行有效风险管理最为重要的手段。因此，本文对“高校贷款风险”进行了界定，综述了相关研究成果，并在此基础上梳理出了高校负债办学风险的两种评价模型，并且以A高职院校为案例研究对象，结合问卷调查评价了其负债办学的风险，进而提出了相应的风险控制措施。 本文对于我国高等学校负债办学的现状进行了分析，并结合实际数据，指出了高等学校负债办学带来的还本和付息的风险。对其风险程度，本文认为可以运用“债务风险预警系统”和“高等学校银行贷款额度控制与风险评价模型”进行衡量。关于高校的负债风险的控制措施，本文认为对高校贷款风险的控制需要政府、高校、银行的通力合作，但尤为重要是高校自身要采取积极的应对措施。要适时的对于贷款风险进行测评，切实控制风险的攀升，完善银行贷款的管理制度，高校的财务部门应做好财务规划，提高资金的使用效率，并且应该多方位、多渠道的筹措资金。 对于A高职院校，本文对其风险程度进行综合测评的结果是“风险较高”，本文设计的调查问卷中有关风险评价方面的问题也进一步证实了这一结果。结合A高职院校的实际情况，本文认为其负债办学的风险控制措施应从A校自身以及政府、金融机构的角度进行分别的探讨。A高职院校方面：（1）应成立贷款资金管理委员会，做好基建项目的评审工作；（2）提高资源的利用效率，建设节约型校园；（3）加强校企合作，化解负债危机；（4）运用BOT方式进行A高职院校的基础设施建设；政府和金融机构方面：（1）政府应加大对于高等职业教育的财政投入；（2）金融机构应完善对A校的授信评价体系。 本文的研究结论对高校防范和控制负债办学风险具有较强的借鉴作用。 关键词: 高校负债；风险；风险控制
英文摘要：	Abstract Since 1999, the number of college students would be enlarged in our country. The quantity of college students rose from 1.0835 million to 6.0765 million. The policy enlarged the number of students who received higher education but brought colleges and universities heavy liability obligation, which brought many of them on the verge of insolvency. How control loan risks of colleges and universities is a hot topic about which currently community is concerned. This thesis develops according to the above-mentioned back ground. The venture management is to carry on useful identification, analysis and appraisal to various risk factor that may meet, with the lowest cost carry out the supervision of the biggest safe guarantee of process. Among them, the risk early warning is to the most important way of effective venture management. Therefore, the thesis carried on a definition to "loan risks in colleges and universities ", summarizing the research concerning on it, on this foundation, introducing a risk assessment system and taking A-senior vocational college as case study object, combing a questionnaire to evaluate its loan risks, then proposing measures on how to control loan risks. This thesis analyzed the status of loan risks using charts and other forms, pointing out obligation risk in the universities and colleges. As to it's risk degree, the thesis suggests to make use of “obligation risk early-warning system” and “bank advance limit control in university and college and risk evaluate pattern" to evaluate. As to the control measure of the loan risks, the thesis thinks that for making a concerted effort the control requirement government, colleges and banks, especially colleges. The colleges and universities have to well timed earth for loan risk progress to measure to review, increasing of practical control risk, perfect the management system of bank , the treasurer's department of colleges should complete a finance layout and raise the use efficiency of capital, and should collect funds in many ways. As to A-senior vocational college, the thesis carried on synthesis to measure the result for reviewing is "the risk is higher", in the questionnaire designing relevant risk appraisal of the question also verified this result. Base on the physical truth of A-senior vocational college, the thesis thinks the risk control measure should carry on a respective study from the angle of A-senior vocational college oneself and the government, financial institutions. A-senior vocational college aspect: first, A-senior vocational college should establish to liability operating committee and complete evaluation of constructing items. Secondly, resource use efficiency should be improved, and economical college will be set up. Thirdly, A-senior vocational college should intensify consortium in the college, dissolve indebtedness hazard. Fourthly, innovate financing form, investigate the BOT financing model of senior vocational colleges. Government, financial institutions aspect: first, join the government a mansion, should enlarge the financial investment to the occupational education. Secondly, the perfect financial institution teaches the appraisal system of letter versus A-senior vocational college. The research conclusion has stronger draw lessons from an action for preventing and controlling loan risks in colleges and universities. Key words: colleges and universities debt; risks; risk control
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