CAJ | 학술논문

中美两国高校贷款有不同的历史脉络,贷款原因、贷款方式与贷款期限等方面存在巨大的差异。在当前我国应该借鉴美国高校贷款的成功经验,从拓宽融资渠道、寻求多元资金、贷前实行合理规划、防范贷款风险、贷中完善监管机制、提高资金使用效率与贷后制订和实施专项＂还债＂战略等路径解决高校贷款问题,从而促进我国高等教育的发展。
중미량국고교대관유불동적역사맥락,대관원인、대관방식여대관기한등방면존재거대적차이。재당전아국응해차감미국고교대관적성공경험,종탁관융자거도、심구다원자금、대전실행합리규화、방범대관풍험、대중완선감관궤제、제고자금사용효솔여대후제정화실시전항＂환채＂전략등로경해결고교대관문제,종이촉진아국고등교육적발전。
China and American college loans have different historical context, there are huge differences in the reasons, ways and terms for the loans. In the current, China should learn from the successful experience of American college loan, solve the problem of college loans and promote the development of higher education from the multiple paths of the widening financing channels, seek the multi-funds, implement the rational planning before the loan, prevent the risk of loans, improve the regulatory mechanism of the credit, improve the capital availability efficiency, develop and implement a special ＂debt＂ strategies after the loan.