我国商业银行并购贷款风险分析

The Risk Analysis of Commercial Bank Merger and Acquisition Loan

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。

《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.