摘要:2012年财政性教育经费支出占我国GDP比例达到了4%，虽说我国在教育事业方面的支出在逐年增加，但这并不能满足我国教育事业发展的需求，我国自从教育改革开始后，大多数高校一直在以贷款解决发展中碰到的资金问题。我国的高高等院校大都存在贷款现象，大部分高校是为了扩建而进行贷款。在贷款的过程中，由于各方面的原因，难免会因为贷款清偿不了，而产生诸多风险。

　　　本文从高校、政府、银行三个方面，对银行贷款的风险成因、风险状况和防范对策进行了比较系统的分析。高校的需求如何解决，政府的责任如何到位，银行的信贷管理如何去做，对银行贷款的相关问题逐一分析论证。贷款风险普遍存在于各个高校之间，本文选取了宁夏大学作为案例，经过对宁夏大学各方面情况的探讨研究，探讨如何进行贷款风险的防范，针对贷款过程中产生的风险问题，提出合理的建议。

关键词 高校贷款；贷款风险；防范对策

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