Development of a regulatory system for the financial mechanism of an autonomous educational institution

A feature of financing higher education institutions is the application of a standard scheme: financing from a general fund, the expense of a special fund, sponsorship, which does not fully meet the needs of the educational and innovative model of a higher educational institution as an element of the national innovation system. The proposed mechanism of mixed educational lending provides for the deposit participation of banks in financing student education, a feature of which is the reimbursement of interest from the budget or from third parties for the use of credit. This will improve the educational process and the specialists’ professionnal level. Based on the possible ratios of excess or deficit of funds, three types of financial stability for each of two possible types of quality of financial condition are identified.