摘要
高校银行贷款额度的控制与风险评价是当前高校财务风险管理的热点。在分析评价现行高校银行贷款额度控制与风险评价模型所存在问题和银行贷款之本质的基础上,提出可以假设高校在贷款期限内每年只还利息,并改进了高校银行贷款额度控制与风险评价模型,然后运用某高校的数据对改进后模型进行了验证分析。结果显示:银行和高校可适度放宽贷款的评价等级,为银行控制贷款额度和高校防范财务风险提供了量化评价系统。
Amount control and risk assessment of loan in colleges and universities is a hot topic in financial risk management in colleges and universities at present.On the basis of analyzing problems of amount control and risk assessment of loan in colleges and universities and the nature of bank loan,the assumption that in the period of loan colleges and universities can only repay interest is proposed,and the model of amount control and risk assessment of loan in colleges and universities is improved.By using an universities’data,the improved model is verified and analyzed.The result shows that banks and colleges and universities can moderately relax the assessment grades of loan.It can provide a quantitative assessment system to control amount for banks and prevent financial risk for colleges and universities.
出处
《经济研究导刊》
2010年第13期44-47,223,共5页
Economic Research Guide
基金
教育部人文社会科学研究项目基金资助(09YJCZH071)
山东科技大学2009教育教学研究"群星计划"项目(QX0902080)
关键词
高等学校
贷款额度
风险评价
colleges and universities
amount control
risk assessment
