对我国银团贷款业务发展的思考

On Development of Syndicated Loan Business in China

银团贷款是跨国资本的主要形式之一,是顺应现代化大生产及金融国际化的趋势,已经成为国际金融中最普遍的融资方式之一。我国银团贷款业务尚处于起步阶段,在诸多方面还需要进一步完善。本文从国际银团贷款的概念和意义入手,对比我国与国际银团贷款业务的发展状况,剖析了当前我国银团贷款业务中存在的问题,并借鉴国际经验和做法,提出了我国银行业开展银团贷款业务的几点建议。

Syndicated Loan,a major form of international capital,conforming to the general trend of modern fracturing and financial internationalization,has become one of the commonest financing patterns.The Syndicated Loan system in China is on its starting stage and needs further improvement in many aspects.Based on its concept and significance,the paper conducted a research on the developmental situation and characteristics of the international Syndicated Loan business.Through the comparison with its international counterpart,the essay analyzed the problems faced by China＇s syndicated loan business,and provided suggestions to China＇s banking industry on its conduction of syndicated loan business.