改革与战略
改革與戰略
개혁여전략
Reformation & Strategy
2011年
5期
72~74
,共null页
商业银行 并购贷款 风险控制
商業銀行 併購貸款 風險控製
상업은행 병구대관 풍험공제
commercial bank; merger and acquisition loan; risk control
我国颁布的《商业银行并购贷款风险管理指引》通知明确允许符合条件的商业银行开办并购贷款业务,这标志着并购贷款业务正式开办。文章指出,并购贷款在给商业银行带来新的利润增长机遇的同时,也给其带来了巨大的风险,所以,商业银行应该重点关注并购贷款的风险。文章分析了并购双方企业、并购整合以及商业银行操作等并购贷款的风险来源,总结归纳了并购贷款的风险特征。文章针对并购贷款的风险提出了贷前严格审查、贷后跟踪调查和规避操作风险等风险防范措施。
我國頒佈的《商業銀行併購貸款風險管理指引》通知明確允許符閤條件的商業銀行開辦併購貸款業務,這標誌著併購貸款業務正式開辦。文章指齣,併購貸款在給商業銀行帶來新的利潤增長機遇的同時,也給其帶來瞭巨大的風險,所以,商業銀行應該重點關註併購貸款的風險。文章分析瞭併購雙方企業、併購整閤以及商業銀行操作等併購貸款的風險來源,總結歸納瞭併購貸款的風險特徵。文章針對併購貸款的風險提齣瞭貸前嚴格審查、貸後跟蹤調查和規避操作風險等風險防範措施。
아국반포적《상업은행병구대관풍험관리지인》통지명학윤허부합조건적상업은행개판병구대관업무,저표지착병구대관업무정식개판。문장지출,병구대관재급상업은행대래신적리윤증장궤우적동시,야급기대래료거대적풍험,소이,상업은행응해중점관주병구대관적풍험。문장분석료병구쌍방기업、병구정합이급상업은행조작등병구대관적풍험래원,총결귀납료병구대관적풍험특정。문장침대병구대관적풍험제출료대전엄격심사、대후근종조사화규피조작풍험등풍험방범조시。
《The Risk Management Direction of Commercial Bank Merger and Acquisition Loan》 in China permits the commercial bank which has suit and enough condition to launch M A loan business,this symbolizes the M A loan business official launch.As the M A loan brings the new profit growth opportunity to the commercial bank,it also gives commercial bank huge risk.Therefore,the commercial bank should pay attention to M A loan risk.This paper analyzes the acquisition of both sides of the M A and its integration,as well as the commercial banking operations and other sources of acquisition risk of the loans.Then it summarizes the risks of M A loan,finally it puts forward some measures such as rigorous review before credit,post-loan follow-up survey,avoid operational risk.
