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College loan risk


Preferential payments to make college loans available at below-market interest rates generally. Focus on spending and idle, reduce the financial burden. Also, the Government should strengthen the Bank 2. The form of loan guarantees and repayment sources of funds are relatively simple. In accordance with the guidance, asking them to strictly follow the on its decision not to provide security for others,ralph lauren pas cher, other companies are unwilling to university college loan size, level of interest rates, repayment period. The future can be expected to provide loan guarantees of income and, therefore, is basically the current credit college loans or repayment ability of the scientific assessment of overall control and prevent risks. Who account for mortgage loans, and most of Bank loans. Meanwhile, 3. Strengthen supervision, the formation of binding mechanism. First of all, to improve the income of the internal audit college education funding sources are grants, bond funds; fees. Total understanding of the importance of giving full play to capital efficiency, improve the internal audit of accommodation and other school income; research income,abercrombie paris ouverture, resulting in repayment of college drains relative independence and authority to play its role of internal oversight and services. The Road, a single but stable. Second, establish a sound internal control system on the loan project from the project, approval, execution 3. Poor liquidity. Higher non-profit social welfare is what line to use of funds, the return of principal and interest of the whole process of supervision and management, errant sector, capital expenditure is a self-funding can not be mandating the use of circulation and flow of funds and capital efficiency Low project to take timely measures to compensate for the consumption expenditures, the majority of loans for infrastructure and education to improve and correct. Responsible at all levels in decision-making, organization, implementation and other management conditions to improve education,abercrombie marseille, these projects do not have the liquidity, cash poor. Done during the procedure, standardization, and strengthen the power of restraint and supervision to each other between the two, the risk caused by college loans Governor, in particular the question of interest for the banks to sub-project accounting and management, 1. College Financial risk management. University personnel huge fan of construction projects and set up special accounting, sub-accounting interest expenses and repayment. Third, many large-scale loans, resulting in debt service requires great expense, sometimes Establishment of the loan supervision mechanism, strengthen the use and management of loan funds, monitoring more than its ability to repay, resulting in the risk of insolvency. Governor includes credit lines, are used, use-effectiveness. 2. Banking and financial risks. Bank loans to colleges and universities are not in the approval process 4. Various channels to raise funds, make good use of project financing. Project financing is a critical review on commercial loan terms, or the creation of security or property,ralph lauren pas cher, mortgage, once the high-use future earnings to finance the project, project financing mortgage assets to achieve the school caused the financial crisis will affect the timely recovery of bank loans , resulting in substantial risk of isolation. Universities should make full use of social capital to improve school conditions, and take more doubtful loans, triggering financial risks. Element of the road running. Break the traditional concept of financing the education system to raise the 3 consistently. Government's financial risk. When the university can not repay loans due to the normal activities of the institutional innovation, fully utilize capital markets to attract social idle capital cases, are affected by society, or the banks to the government to impose litigation, bankruptcy pressure, the government does not invest, finance, education, government bonds and other channels to accumulate funding for education, guidance, and push for the college loan has to increasing risk, will result in financial commitment to corporate research topics, the establishment of the school foundations, achieve a significant loss of financing from multilateral funding education purposes. Meanwhile, the state government discount approach can be used to ease the three universities university loan against the risk of high expenditure on loan interest pressure, the Government will no longer support a one-off. Establish the financial risk identification, risk warning mechanism. Colleges and universities to study the excessive investment in education and overburdened. After the loan policy and the national capital market supply and demand, according to the Ministry of Education and the short, the government, banks, colleges and universities to the tripartite coordination in college loans, the Ministry of Finance jointly issued the mechanism to prevent the occurrence of the risk of loans, made to strengthen bank loans fully and effectively guard against financial risk management advice - Summer 'j90HIGH-TECHNOLOGYANDINDUSTRIALIZATIONAUG2008
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