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招商銀行對沈陽藥科大學(xué)搬遷項(xiàng)目貸款的風(fēng)險管理研究

發(fā)布時間:2018-04-30 22:23

  本文選題:風(fēng)險管理 + 高校融資。 參考:《吉林大學(xué)》2017年碩士論文


【摘要】:近幾年我國開始鼓勵各個高校擴(kuò)大自己的招生規(guī)模,加快實(shí)現(xiàn)辦學(xué)規(guī)模的跨越發(fā)展,許多高校開始規(guī)劃或是籌備建設(shè)新校區(qū)。但是新建校區(qū)需要大量的資金,工期時間較長,而且短期內(nèi)該投資的收益難以收回,再加上我國財政措施對于高校修建新校區(qū)的支持力度有限,所以新建的校區(qū)既要滿足標(biāo)準(zhǔn),又要滿足現(xiàn)代化,對于高校來說是捉襟見肘的,不僅資金的供給上存在著壓力,而且還需要解決一系列的難題。本文就以沈陽藥科大學(xué)在新校區(qū)建設(shè)過程中所面臨的融資問題為背景,分析闡述了該校融資過程中的風(fēng)險問題以及對風(fēng)險應(yīng)對措施。主要做了以下幾個方面的工作:首先,列舉了高校融資的主要渠道,分別是財政撥款、學(xué)費(fèi)和住宿費(fèi)的收取、銀行貸款、校辦企業(yè)和教育基金,并從這幾個融資渠道分別分析了沈陽藥科大學(xué)融資中可能存在的問題,并對這幾方面的融資風(fēng)險進(jìn)行了分析。其次,根據(jù)融資風(fēng)險建立風(fēng)險預(yù)警系統(tǒng),定性分析通過德爾菲法對各個風(fēng)險指標(biāo)進(jìn)行評價,定量分析則是對各個財務(wù)指標(biāo)進(jìn)行分析。通過定性分析和定量分析出沈陽藥科大學(xué)面臨的融資風(fēng)險,然后參照"高等學(xué)校銀行貸款額度控制與風(fēng)險評價控制模型"找出學(xué)校融資存在的風(fēng)險并加以改正。分析高校融資的風(fēng)險預(yù)警階段中需要尤為注意的重點(diǎn),以此作為向高校融資的參考。最后,提出高校融資中,能夠與現(xiàn)存相匹配的防范措施,并選擇政府、高校以及銀行這三個方面作為研究對象,其中政府部門應(yīng)該在制度上給予支持;高校則需要從自身入手,提高防范風(fēng)險的意識;銀行就需要嚴(yán)格把控貸款的各個環(huán)節(jié),從資金的源頭上盡可能的杜絕風(fēng)險的發(fā)生。
[Abstract]:In recent years, China has begun to encourage colleges and universities to expand their enrollment scale, accelerate the realization of the scale of school development, many colleges and universities began to plan or prepare for the construction of a new campus. However, the new campus needs a large amount of capital, the construction period is relatively long, and the return on this investment is difficult to recover in the short term. In addition, the financial measures in our country have limited support for the construction of a new campus for universities, so the newly built campus should meet the standards. In order to meet the needs of modernization, there is not only pressure on the supply of funds, but also a series of difficult problems. Based on the financing problems faced by Shenyang Pharmaceutical University in the construction of the new campus, this paper analyzes and expounds the risk problems in the process of the university's financing and the measures to deal with the risks. The main work is as follows: firstly, it lists the main financing channels of colleges and universities, which are the financial allocation, the collection of tuition and accommodation fees, bank loans, school-run enterprises and education funds. From these financing channels, this paper analyzes the possible problems in the financing of Shenyang Pharmaceutical University, and analyzes the financing risks in these aspects. Secondly, the risk warning system is established according to the financing risk, the qualitative analysis evaluates each risk index by Delphi method, and the quantitative analysis is the analysis of each financial index. Based on the qualitative analysis and quantitative analysis of the financing risks faced by Shenyang Pharmaceutical University, the author finds out the risks existing in the financing of Shenyang Pharmacy University and corrects them by referring to the "Model of Bank loan quota Control and risk Evaluation Control in Colleges and Universities". This paper analyzes the key points that need to be paid special attention to in the stage of risk early warning of university financing, which can be used as a reference for financing colleges and universities. Finally, the paper puts forward the preventive measures that can match with the existing university financing, and chooses the government, universities and banks as the research object, among which the government departments should give support in the system, and universities need to start with themselves. Raising the awareness of risk prevention, banks need to strictly control all aspects of loans, from the source of funds as far as possible to prevent the occurrence of risk.
【學(xué)位授予單位】:吉林大學(xué)
【學(xué)位級別】:碩士
【學(xué)位授予年份】:2017
【分類號】:F832.4;F272.3

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