商业银行并购贷款风险管理研究

发布时间：2018-04-10 08:01

本文选题：商业银行　切入点：并购贷款　出处：《浙江工业大学》2014年硕士论文

【摘要】：伴随着中国企业的成长,市场竞争的加剧以及国内外市场的进一步融合,近年来并购案例逐渐增多,兼并收购融资需求大、增长快,并购贷款的出现加速了我国企业并购业务的高速发展。并购贷款是一种新的贷款品种,因为并购贷款业务相较于传统贷款业务呈现复杂性、专业性和系统性的特点,故并购贷款的风险也呈现高风险性、高收益性的特征。并购贷款的复杂性和风险性均高于传统意义上的贷款。因此,并购贷款风险管理是商业银行开展并购贷款业务时的核心工作,如何防范和管理并购贷款风险也成为商业银行开办并购贷款业务前必须要解决的首要问题。本文选择商业并购贷款风险管理作为研究对象,首先,分析总结出并购贷款业务的风险理论；其次,重点分析ZX银行股份有限公司杭州分行在并购贷款业务中的风险防范经验,从实证的角度结合理论分析了我国商业银行在并购贷款业务风险防范中的具体措施和防范思路,将理论与实际相结合。最后,本文从商业银行制度建设角度出发,针对并购贷款业务风险管理提出了具体建议。本文区别于相关论文的主要创新之处在于：本文的并购贷款风险防范侧重于操作层面以及案例实证研究,具有较强的现实意义。经过本文分析和研究,笔者提出了商业银行并购贷款风险管理机制10步骤,进一步丰富了我国商业银行并购贷款业务风险防范措施,对我国并购贷款业务的发展提供了一些新的方法和思
[Abstract]:With the growth of Chinese enterprises, the aggravation of market competition and the further integration of domestic and foreign markets, the cases of mergers and acquisitions have gradually increased in recent years.The emergence of M & A loan accelerates the rapid development of M & A business in China.M & A loan is a new kind of loan, because compared with traditional loan business, M & A loan business presents the characteristics of complexity, professionalism and systematicness, so the risk of M & A loan also presents the characteristics of high risk and high profitability.The complexity and risk of M & A loan are higher than that of traditional loan.Therefore, M & A loan risk management is the core work of commercial banks in the M & A loan business. How to prevent and manage the M & A loan risk has become the first problem that commercial banks must solve before they start the M & A loan business.This paper chooses the risk management of commercial M & A loan as the research object. Firstly, the risk theory of M & A loan business is analyzed and summarized. Secondly, the risk prevention experience in the M & A loan business of Hangzhou Branch of ZX Bank Co., Ltd. is analyzed.From the perspective of demonstration and theory, this paper analyzes the concrete measures and preventive thinking of Chinese commercial banks in the risk prevention of M & A loan business, and combines the theory with practice.Finally, from the point of view of commercial bank system construction, this paper puts forward some concrete suggestions for M & A loan risk management.The main innovation of this paper is that the prevention of M & A loan risk is focused on the operational level and case study, which has a strong practical significance.Through the analysis and research in this paper, the author puts forward 10 steps of the risk management mechanism of M & A loan for commercial banks, which further enriches the risk prevention measures for the M & A loan business of commercial banks in China.This paper provides some new methods and thoughts for the development of M & A loan business in China.
【学位授予单位】：浙江工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F271;F832.4

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