How do private schools for loans

 In recent years, Jingdezhen City, Jiangxi Province booming private education, for improving the educational system, to meet the growing educational needs of the people played an active role in the community has been recognized. In speeding up the development of education at the same time, loan demand is gradually warming. In recent years, there have been five city commercial banks issued loans to some colleges, but the only drawback is, there is not a private institution. In other words, in Jingdezhen City, bank credit to support private education is still a piece of business areas blank.
is to do with education, how can the different circumstances? in Jingdezhen, to a school on the individual citizen more than 80% of schools in the school, they want to achieve greater development and credit support. However, the credit threshold is too high will make them look credit disappointed, first reach the banks require credit ratings; the second is the lack of effective collateral. and for assessment of collateral registration fees still exist many links, high standards and other issues.
banks recognize Private School Loan Difficulties do exist at present, the situation is similar to the development of SMEs in the year. Why are banks not lending to the private schools? one of these smaller schools, more than ten million yuan investment, only two or three, but mostly school level secondary school level or less. Second, the internal management of private universities is not sufficiently standardized, some of them family-owned management, banking hard to get real information and, therefore, difficult to make objective of its credit rating. Third, whether secured loan or mortgage loans, private institutions subject to their own conditions, it is difficult to meet the , set the professional follow suit with the flow, do not have market competitiveness. there's instability in the school teaching staff, quality of education can not be guaranteed. when the external environment changes, many students question the school became a factor in the continued growth of . compared to public education, private education loans to banks that the greater risk, unwilling to invest is also within reason.
case, solving the difficult problem of private education loans, still need from the implementation of national policies and regulations, improving the overall investment environment and regulate the development of private education in two aspects.
first to uphold the standards and service both, the Government should actively create a favorable environment for private education. in accordance with the examination assessment, identify problems deadline for correction. establish and improve the information disclosure system, banks and private education to solve the problem of asymmetric information.
the same time, the Government should introduce series of preferential policies, such as market access for private investment policy, urban planning priorities policy, tax relief incentives, Min Banjiao loans Private Education, established by the Financial Fund for interest subsidies and guarantees the development of policy for the registration of loan collateral evaluation fee concession and relief agency policies and private college graduates apply for graduation the Civil and Public Diploma in the same treatment as other students.
Secondly, we must adhere to the characteristics of both school and market-oriented, private institutions to improve overall strength, to resolve the bank efforts to build brands. admission to employment-oriented, as long as the employment of graduates unblocked, management. in accordance with the relevant regulations, truthfully disclose relevant financial information, enhance its credit rating level. At the same time to further broaden the financing channels and make full use of social funds and private capital to establish a diversified investment in education into the new system, to create conditions for its own funds to the proportion of bank regulations. Also note that to ensure campus safety, and then consolidate the loan repayment capacity.
Third, we must adhere to the guidance and supervise the implementation of both the window. People's Bank of the Central Bank to properly carry out their duties, the head office should be more support for the introduction of private education Monetary policy measures in order to strengthen grass-roots bank window guidance. shall supervise the implementation of commercial banks to private colleges open, just, fair credit policy, the implementation of national treatment, private education, private education should be deemed an important part of the local economy and very a vibrant economic growth to support. to guide the private universities have the willingness to lend to the People's Bank branch in time for both benefit and long-term benefits. Commercial banks should focus on long-term, to support private education as a potential bright spot for future savings first gold customers and achieve sustainable development of credit.
the bank credit departments to standardize operations, warm service. in home counseling loan application procedures for private institutions should be , the right of private college students and school tuition fees and other flexible forms of intangible assets as collateral. lending banks to strengthen post-loan management work and private institutions to assign someone to do a good job tracking and management of funds after loans to ensure that applications for use by private institutions and plans to use the funds. for a fee as the main source of repayment of the fee to establish a special account in order to monitor changes in account fees.
the same time to expand banking services, focusing on the overall efficiency of loans. lending banks to the credit input as the starting point, the entire process involved in the development of private institutions, in pursuit of the collection of fees, billing, payroll and other breakthrough and achieve win-win school of silver.