一种新的教育融资途径——“校银合作关系”研究

【作者】 王培华；

【导师】 张玲；

【作者基本信息】 华东师范大学 ， 教育经济与管理， 2004， 硕士

【摘要】 长期以来我国高校的教育经费一直靠政府拨款，这种教育体制已难适应市场经济的发展要求，银行与高校合作，既打破了我国高校发展的资金“瓶颈”制约，也是金融业积极开拓市场、提高信贷质量、规避金融风险的现实选择。这种合作的前景非常看好。但在观念和政策等方面亟待新的突破，进而在双方合作的具体操作流程上给予更有效的指导。高校、银行双方都应在平等的基础上，本着互惠互利、真诚合作的态度，共同探讨有助于解决制约高校融资的办法。 本论文正是基于对校银合作这一新兴事物的兴趣，在对江苏、上海两地的部分高校、银行的调查访谈及参照目前我国国家助学贷款状况资料的基础上，发现校银合作中突现三大问题：信用状况令人担忧、合作双方的风险防范薄弱、国家相关法律法规的缺位。并通过分析探讨，分别提出了解决上述问题的思路： (1)在信用问题上，通过对校银合作信用理论的理解，结合合作实际，以道德信用和能力信用突破，从观念创新、制度创新、管理创新及建立个人信用征询系统等方面给予论证，促进信用问题的最终解决； (2)关于风险问题，基于风险状况的调查，分析其成因来自社会、高校、银行及贷款个人四个方面，风险的最终解决需要建立一个完整的防范机制，尤其要将制度层的机制予以法制化； (3)就国家在校银合作方面的相关法律法规的缺位问题，通过对国外成功经验的借鉴，立足我们的现实，建议亟需出台或完善的法律规章，特别是贷款人资质、担保、贷款的回收等方面的约定。更多还原

【Abstract】 For a long time, the country’s colleges and universities rely on the government’s appropriate funds for education. This educational system can hardly adapt to the developmental requirement of the market economy. The consequence is the difficulty of the enlargement of the scale and the improvement of the quality of school running. The corporantion between banks and colleges and universities not only breaks the bottle-neck restriction of the developmental funds but also provides a realistic choice to open up market actively, elevate the credit quality and elude the possible financial danger. This cooperation gives a very optimistic perspective. Nevertheless, conventions and policies require an urgent new breakthrough which can provide effective guide in terms of the concrete manipulation on both sides. On the basis of equality, mutual benefit and sincere cooperation of both sides, corporate discussion gives financing of colleges and universities a way out.Starting from the author’s great interest in the cooperation between banks and colleges and universities, this thesis bases itself on the investigation and interviews in some colleges and universities as well as banks in Jiangsu Province and Shanghai, and on the reference of the national assistance loan. It is found that there are 3 major problems in the cooperation: unreliable credit, feeble guard against dangers on both sides and the imperfection of the relative laws and regulations. Through careful analysis and discussion, the thesis puts forward 3 strategies to solve the above problems:1.In terms of credit, understand the theories on the credit of cooperation, combine theories with practice, make a breakthrough in morality and ability, reason from the perspectives of innovations of ideas, systems and management as well as the establishment of the inquiry system of the personal credit, and finally hasten the final settlement of this problem.2.As to dangers, on the basis of the analysis of dangers, analyze thecauses from society, colleges and universities, banks and loan individuals. The final settlement of dangers requires the establishment of a complete preventative system, especially the legalization of systems on the level rules.3. With regards to the imperfection of the relative laws and regulations, through the reference to the successful experience abroad, find a foothold on our reality, suggest the invention and improvement of laws and regulations, especially the agreement of the aptitude of the leaner, assurance, and the reclamation of the loan.更多还原