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20世纪末始,我国高等教育步入大扩招、大发展时期,经过连续几年的努力,基本完成了由“精英教育”向“大众教育”的过渡。高等学校经费投入的多样性也蔚然形成,尤其银行信贷资金的注入,成了弥补高校发展巨大资金缺口的重要渠道。但银行贷款资金使用的有偿性直接诱发了高校发展过程中的风险性,如何适度举债,合理运用信贷资金,增强风险意识,注意风险防范,促进高等教育持续健康发展显得尤为重要。
At the beginning of the 20th century, China’s higher education entered a large expansion and a large period of development. After several years of hard work, the transition from “elite education” to “mass education” was basically completed. The diversification of funds invested by colleges and universities has also become commonplace. In particular, the injection of bank credit funds has become an important channel to make up for the huge funding gap for the development of colleges and universities. However, the use of bank loan funds paid off directly induces the risk in the development of colleges and universities, how to borrow properly, rational use of credit funds, enhance awareness of risk, pay attention to risk prevention and promote the sustained and healthy development of higher education is particularly important.