University loan is a "double-edged sword". In order to effectively use bank loans to solve the problem of insufficient funds and prevent the financial risks it brings, we must adhere to Scientific Outlook on Development's correct view of political achievements, correctly handle the relationship between immediate development and long-term development, correctly handle the relationship between career development needs and actual economic affordability, and proceed from reality to do a solid job in education that is conducive to the reform and development of higher education and people's satisfaction.