摘要
信用贷款已成为高等学校筹资的主要渠道,也是高等学校赖以生存和发展的基础,而高等学校信用贷款的管理关系着高等学校的长远可持续发展。从内外因两个层面分析高等学校信贷产生的原因,阐述高等学校贷款存在的现状及风险,并从事前、事中、事后三个环节提出加强高等学校信贷管理的对策。
Credit loans have become a main channel for university financing. This paper studies the causes for university credit loans from internal and external perspectives, illustrates the status quo and risks, and proposes some ways for improvement for the pre -loans, in -loans and after- loans manage- ment.
关键词
信用贷款
贷款风险
管理
Credit loans
loan risks
management
