Our Country's Universities and Colleges' Obtaining Loans from Banks:Risks and Precautions

This paper presents a discussion of the risks in our country's universities and colleges' obtaining loans from banks and the prevention of them.It suggests some precautionary measures: to establish a sense of running schools through frugality,to establish an investment policy making management system and gradually perfect it,to implement the inquiry responsibility system,to increase special-purpose financial input,to adopt the idea of running schools through many channels,to animate universities and colleges' capital stock to improve their ability to ″produce blood″,to gradually reduce universities' present loan scale,to establish a university loan risk prevention mechanism through university bank loan quota control and risk evaluation pattern,and to strictly control the increase in university loans.