它提倡将所有商贷机构排除在高校贷款计划之外。
It calls for the exclusion of all commercial lending institutions from the college loan program.
因此真正的问题是如何找到好放款巩固我国高校贷款？
So the real question now is how do I find a good lender to consolidate my college loans?
第四部分分析了高校贷款的风险特征、影响因素和危害；
The fourth part analysis the risk characteristics, the impacting factors and harm of college loans.
并提出其他筹资途径来缓解高校贷款和由贷款引发的风险压力。
The authors also present some other fund-raising ways to relieve the pressure of university loans risks.
尽管目前我国的高校贷款没有出现明显矛盾，但并非不存在风险。
The risk exists though the contradiction in getting loans is not obvious in colleges and universities in China at present.
对高校贷款应该辨证地分析，不能只看负债不看资产，不能只看负债不看产出。
To analyze the universities' loan dialectically, we can neither only look at the debt without looking at the property, nor only look at the debt without looking at output.
总体上看，高校贷款的使用效益较好，解决了高校在扩张时期的经费紧缺的问题。
Overall, the use of effective college loans better solved funding shortage problem during the expansion of university.
第二，从负债程度、支付能力和资金管理三个方面设计了高校贷款风险预警指标体系。
Second, the forewarning system of university loan risk is designed from loan level, ability to pay and fund management.
简要分析高校贷款风险的表现形式和风险产生的原因，以及高校贷款风险的防御措施。
This article analyses the forms and reasons of university loans risks and proposes some defense measures.
如何在保证高校、银行等相关主体利益的前提下，防范和控制高校贷款风险具有重要的实践意义。
Under the premise of ensuring the interest of universities, Banks and other related people, how to prevent and control the risk of college loans has an important practical significance.
而内蒙古地区高校助学贷款起步晚、成效迟、覆盖面小。
The college student loan system is quite new in the Inner Mongolia with low efficiency and narrow coverage.
因此以控制贷款风险为核心的高校财务风险管理就成为高校财务管理和公共财政面临的最大理论与现实问题。
Therefore, how to control financial risk of universities have became the academic problem and practical problem in university's financial management and public financial.
银行贷款已成为现阶段高校基本建设的主要资金来源。
Loan is the main source of fund of basic construction in higher schools.
在这种情况下，银行贷款成了公办高校普遍采用的筹资手段。
In such circumstances, bank loans have become the usual way for public colleges and universities to get financial support.
重点对目前高校普遍使用银行贷款情况进行了利弊分析，在此基础上提出了有效规避银行贷款风险的途径和措施。
On the basis of analyzing the advantages and disadvantages of the widely - used loan of university from Banks, it gives countermeasures of effectively avoiding the loan risks.
目前大学城项目已成为各商业银行总行的第五类高风险贷款项目，高校新校区建设贷款越来越难。
Nowadays the loans for university district construction projects are limited, as they are grouped in the fifth category of high risk loan projects by the top Banks of commercial Banks.
该模型运用货币资金时间价值理论，假设高校可用于偿还贷款本息的非限定性净收入呈稳定增长的态势。
With the timing value of cash theory, the model supposes that the unlimited net revenue which can be used to pay off the debt increases steadily.
除了这些巨额贷款以外，各高校还有大量的其他负债，如工程欠款、教职工集资款等。
In addition, there are a lot of hidden liabilities in colleges and universities, such as engineering arrears and faculty fund-raising and so on.
河南省国家助学贷款管理信息系统是一个利用智能客户端技术，实现对河南省高校国家助学贷款工作进行管理的系统。
Henan national student loan Management Information system (HNSLMIS), is a system that manage the national student loan of colleges and universities in Henan province, using smart client technology.
银行贷款已成为现阶段高校基本建设资金的重要来源渠道，但贷款的风险总是客观存在的。
Bank loans have become an important source of fundamental construction founds for colleges at present. Risks for loans are objectively going.
但是，相当一部分公办高校由于各种原因出现了还贷危机和贷款风险。
However, a considerable part of public colleges and universities face the loan crisis and risks due to a variety of reasons.
然后利用相关财务指标对某地方高校的贷款风险程度进行了分析评价。
The paper takes a university for example, makes use of related financial index to make risk assessment.
第四是进一步完善和扩大高校助学贷款的规模和范围。
Fourth is further consummating and expanding university the scale and the scope of the loan to assist students.
但是现实中，许多高校的贷款行为缺乏理性分析，盲目举债，而银行方面也尽可能的发放贷款。
But in reality, many colleges and universities borrow bank money without rational analysis, and Banks also grant loans without careful consideration.
我国自1999年实施国家助学贷款制度以来，国家助学贷款已成为我国高校中覆盖面最广、资助力度最大的一项资助政策。
Since 1999, the Government- subsidized Student Loan Scheme (GSSLS) has been put into practice and played an important role in the reform and development of higher education in China.
我国自1999年实施国家助学贷款制度以来，国家助学贷款已成为我国高校中覆盖面最广、资助力度最大的一项资助政策。
Since 1999, the Government- subsidized Student Loan Scheme (GSSLS) has been put into practice and played an important role in the reform and development of higher education in China.
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