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随着教育体制改革的深入和教育产业化程度的提高,高职院校的招生人数不断增加,办学规模不断扩大,单靠财政拨款已无法满足高职院校对资金的需求,向银行贷款已成为必然。但是,任何一种贷款都是负债,都存在一定的风险性,因此,如何加强高职院校贷款管理,降低贷款风险,使贷款资金发挥最大的经济效益将是高校管理者必须研究的重要课题。本文将对高职院校银行贷款的必然性、特点以及目前存在的问题进行探讨,并提出解决问题的对策。
With the deepening of education system reform and the improvement of education industrialization, the enrollment of students in higher vocational colleges is on the rise and the scale of running schools is constantly expanding. Only by means of financial allocation can no longer meet the demand for funds from higher vocational colleges. Become inevitable. However, any kind of loan is a liability, and all of them have some risks. Therefore, how to strengthen loan management in higher vocational colleges, reduce loan risk and maximize the economic benefits of loan funds will be an important issue that university administrators must study . This article will discuss the inevitability, characteristics and existing problems of bank loans in higher vocational colleges and put forward the solutions to the problems.