基于调查分析,本文总结了2004年以来我国中央和省两级政府、各贷款高校化解贷款风险的策略,具体包括:政府经济规制、增加财政拨款和开征专项收费、学校资产置换、调整贷款结构并延展贷款期限、高校自身运用市场化方式筹集资金、举新贷还旧贷。 Based on the investigation and analysis, this paper summarizes the strategies of resolving loan risks at the central and provincial governments and lending universities in our country since 2004, including the government’s economic regulations, increasing the financial allocations and levying special charges, the replacement of school assets, and the adjustment of the loan structure To extend the term of loans, colleges and universities themselves use market-oriented ways to raise funds and give new loans and old loans.