HC学院贷款风险管理研究

发布时间：2018-06-30 05:36

本文选题：HC学院 + 贷款风险　；参考：《广西大学》2014年硕士论文

【摘要】：上世纪九十年代末,我国高校在扩招政策的指导下,高校教育得到飞跃式发展,招生规模迅速的扩张,满足了全社会对高等教育大众化发展的要求。短短几年内,为适应学校刚性需求,大部分高校大兴土木,改扩建新老校区,逐步实现跨越式的发展。但高校扩招是一把双刃剑,在从“精英教育”向“大众化教育”改革的过程中,需提高高校规模,改善教学条件,而政府和财政的教育投入非常有限,无法实现投资,只能放开政策,从而对高校的财务状况造成深层的影响；同时,高校的管理层,为在这次扩招风潮中取得竞争优势,纷纷投入巨款改善办学条件,由此带来了高校财务危机,造成高校资金巨大缺口,出现了高校负债办学的一种普遍现象。近几年,部分高校“借新贷还旧贷”的现象日益显现,高负债已经影响到了高校的正常教学及科研,影响学生质量的全面培养,影响整个社会乃至金融行业的稳定发展。因此,如何防范和控制高校债务风险,已经成为政府、高校、银行乃至整个社会所迫切需要解决的一大难题。针对HC学院目前所面临的贷款风险,本文对其风险管理进行研究,提出了防范和化解的相关政策和对策。文章首先引入了信贷配给、非营利组织等理论,结合HC学院自身办学的特殊性,从贷款现状出发,通过建立较为简便的风险预警体系指标,并设定临界值,构建债务风险预警系统,并设立了HC学院贷款风险额度控制与评价模型。最后,从政府、高校、银行等角度出发,提出政府应加大教育投入力度,提高政策上的支持,高校要加强自身财务管理,多元化办学,银行应加强信贷等政策建议。
[Abstract]:In the end of 1990s , under the guidance of expanding enrollment policy , the university ' s education has been developing rapidly . The expansion of enrollment scale has met the demand of the whole society to the popularization of higher education . In the short several years , it is a double - edged sword . In the course of reform from " elite education " to " popularization education " , it is necessary to improve the scale of colleges and universities and improve teaching conditions .
At the same time , the management of colleges and universities , in order to gain the competitive advantage in this expansion , has brought the university financial crisis , has caused the university financial crisis , has caused the university debt to run a general phenomenon . In recent years , some colleges " borrow the new loan also old loan " phenomenon increasingly appear , the high debt has influenced the university ' s normal teaching and scientific research , affects the whole society and the financial industry steady development . Therefore , how to prevent and control the university debt risk , has become a big problem that the government , the university , the bank and the whole society urgently need to solve .

In view of the credit risk currently faced by HC College , this paper studies the risk management , and puts forward some relevant policies and countermeasures to prevent and resolve . At last , the paper introduces the credit rationing , the non - profit organization and so on . Based on the special characteristics of the self - running of HC College , this paper puts forward some simple risk early warning system indexes , sets the critical value , establishes the debt risk early warning system , and sets up the credit risk limit control and evaluation model of HC College . Finally , it puts forward that the government should strengthen the education investment and improve the policy support from the angle of government , university and bank .
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【参考文献】