摘要:2012年財政性教育經費支出占我國GDP比例達到了4%，雖說我國在教育事業方面的支出在逐年增加，但這并不能滿足我國教育事業發展的需求，我國自從教育改革開始后，大多數高校一直在以貸款解決發展中碰到的資金問題。我國的高高等院校大都存在貸款現象，大部分高校是為了擴建而進行貸款。在貸款的過程中，由于各方面的原因，難免會因為貸款清償不了，而產生諸多風險。

　　　本文從高校、政府、銀行三個方面，對銀行貸款的風險成因、風險狀況和防范對策進行了比較系統的分析。高校的需求如何解決，政府的責任如何到位，銀行的信貸管理如何去做，對銀行貸款的相關問題逐一分析論證。貸款風險普遍存在于各個高校之間，本文選取了寧夏大學作為案例，經過對寧夏大學各方面情況的探討研究，探討如何進行貸款風險的防范，針對貸款過程中產生的風險問題，提出合理的建議。

關鍵詞 高校貸款；貸款風險；防范對策

Abstract:The 2012 financial education expenditure in China accounted for the proportion of GDP reached 4%, while China's expenditure on education has increased year by year, but this did not satisfy the development of education in our country needs, since our country education reform began, most colleges and universities have been on loan to solve the funding problem encountered in the development of. High colleges and universities in China have loan phenomenon, most colleges and universities is to extend loans. In the loan process, due to various reasons, inevitably because the loan repayment, and produce a lot of risk. 

　　　This text from the three aspects of University, government, bank, for the bank loan risk causes, risks and countermeasures are analyzed. How to resolve the demand, the government's responsibility to put in place, how to credit management of banks to do, on issues related to bank loans analyzed one by one. Loan risk widely exists in various colleges and universities, this paper selects the Ningxia University as a case, through the study of the Ningxia University, discusses how to prevent loan risk, the risk problem in the process of loan, and put forward reasonable suggestions.

Keywords:   University loan; Loan risk; Countermeasures