银行贷款筹资

因而，通过银行贷款进行筹资成为我国众多高校解决跨越式发展中教育经费严重短缺的一条重要途径，负债办学成为我国经济转型过程中高等教育发展的一个重要特点。

So it is an important way to solve a serious shortage funding of many colleges and universities from banks . The liability school becomes an important character of higher education in our economy reforming process .

银行贷款融资具有筹资速度快、借款弹性好、可以发挥财务杠杆作用的特征，成为我国公司最常用的融资方式。

Bank loan is characterized as fast , stretch financing , and role of financing Leverage . So it becomes the most used financing channel .

高职院校的扩建筹资工作存在筹资渠道不多、财政拨款少、非税收入有限、银行贷款困难、筹资风险较大等问题，也面临国家政策、扩建决策、当地政府的支持力度等制约因素。

Higher vocational colleges are facing of less channels of financing , not much less funding , non-tax income limited , bank loans difficult , financing risks and other issues . They are also facing the national policy , the expansion of decision-making , local government support and other factors .

各种融资方式有不同特点，如银行贷款程序简单、筹资成本低，但还息压力大；

Each method has its characteristics , for example , the bank loan has simple procedures , low costs for financing but overload with interest ;