The root cause of the risk of university loans is the soft budget constrain of relevant loan parties,while the deep reasons are the "historical demonstration effect"of the bad debt reimbursement mechanism in state-owned enterprises and the rational expectations of the loan parties.

For the present there are no effective measures to diminish loan risks.

The paper analyzes what the loan risk is,the causes and preventing measures to the loan risks.

The problem of loan risks encountered by banks when granting loans to these enterprises has not yet been solved.

This paper reviewed research results at home and abroad from three aspects of risk,risk of loans and risk prevention of loan,explored the current research direction from theory to practice,and further the trend on risk prevention of loan.

Five-category classification of loan risk based on integration of rough sets and neural network;

Study on Loan Risk Control of College;

The Legal Prevention of Real Estate Loan Risk of Commercial Bank;

Study on the Credit Risk Indicator System of University Loan and Fuzzy Comprehensive Evaluation;

The review and reflection on the 30 years history of university loan in our country——From the perspective of correlative policy and system;

Issues on educational equity and harmonious development of university loan;

This article has comprehensively analyzed the present situation and original reason for the college loan problem from three aspects including the college,the bank and the government,and proposed some countermeasures and suggestions.

According to the different developmental stages,this paper divides the gaming process of college loans into three types:bank—college static gaming,bank—college dynamic gaming and government—bank—college triple gaming.

In this paper through various case studies,we analyze the status of college loans,risk prevention and solution,and offer some ways of prevention and solution to ensure the healthy development of universities.