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随着我国教育体制改革的不断深化,我国高等教育事业呈现前所未有的活力和发展潜力,全国高校都在不同程度地扩张,使得在校师生人数、资产、物资的数量和规模日渐庞大,资金的需求也急剧上升。为满足扩张所需的资金,高校仅靠国家对其投入的财政资金显然不够,还必须积极自筹经费,而目前最为通行、普遍采用的自筹经费渠道是银行贷款。笔者认为,高校通过积极利用银行贷款,的确在一定程度上解决了发展过程中资金供应不足的问题,对改善高校办学条件、提高办学质量提供了资金保证。但由于银行贷款需还本付息,一旦高
With the continuous deepening of China’s education system reform, the cause of higher education in our country has shown unprecedented vitality and potential for development. Colleges and universities across the country have been expanding to varying degrees, making the number of students and teachers, assets and supplies increasingly large in number and scale, Demand has also risen sharply. In order to meet the funds needed for expansion, the financial resources that colleges and universities have invested solely in the state are apparently not enough. They must also raise funds proactively. At present, the most commonly used and commonly used self-financing channel is bank loans. The author believes that colleges and universities, through the active use of bank loans, have indeed solved the problem of insufficient capital supply in the course of development to a certain extent, and have provided financial guarantee for improving the conditions for running colleges and universities and improving the quality of running schools. However, due to bank loans to be repaid, once high