从银团贷款信息不对称性视角看中资银行海外发展面临的挑战

中资银行海外布局已经成为我国银行业发展的一项重要战略。但由于海外信贷市场与我国存在明显的差异,交易机制、监管要求、合规控制等因素与国内市场迥然不同,受地理文化的差异我国海外中资银行因无法全面掌握当地企业和市场的状况,具有信息不对称方面的明显劣势,很大程度制约了海外中资银行扩大海外金融业务的覆盖面,同时这种由于外来者劣势带来的信息不对称使中资银行国际化面临比在国内更大的风险。本文分析了海外中资银行在银团贷款中所面临的信息不对称的成因及困扰,并探讨了缓解信息不对称所带来负面影响的解决之道。

Internationalization of Chinese banks has become an important strategy for the development of banking industry.However,there are obvious differences between the overseas credit market and domestic market including transaction mechanism,regulatory requirements,compliance control,geographical and cultural differences and other factors.Due to these reasons,overseas Chinese banks are limited on fully grasp the status of local enterprises and credit market,and it has negatively affect the expansion of overseas fi nancial business coverage.Internationalization of Chinese banks face greater risks than domestically due to information asymmetry caused by liability of foreignness.This article analyzes the reasons and challenges faced by overseas Chinese banks in syndicated loans and explores solutions to alleviate the negative impression caused by information asymmetry.