J银行并购贷款业务管理问题研究

发布时间：2018-04-28 19:16

本文选题：商业银行 + 并购贷款　；参考：《云南大学》2014年硕士论文

【摘要】：中国企业跟随着世界并购的浪潮,在1978年之后,我国企业的并购由20世纪80年代初带有浓厚政治色彩的集体经济并购,一直发展到加入WTO后,并购规模不断扩大,但是企业并购需要一次性支付大量资金,单独靠企业自身出资会对企业运营资金产生较大压力且很难实现,由此为商业银行并购贷款的介入提供了契机。并购贷款业务的产生,一方面推进了企业间并购交易的发展,另一方面也成为了商业银行新的利润增长点,为商业银行提供了传统业务之外的新业务渠道。海外并购贷款业务起步较早,发展较为成熟,但在国内并购贷款业务真正开展自2008年底中国银监会出台了《商业银行并购贷款风险管理指引》(以下简称《指引》)而真正开展的,自此,商业银行作为并购融资的资金提供者,走上中国并购市场舞台,以信贷服务支持国内企业的重组并购活动。《指引》出台以来,并购贷款在监管部门有效引导和市场主体的积极参与下,由简单到复杂,循序渐进地健康发展,有力支撑了中国企业的并购活动。建行、工行、中行等国内主要商业银行积极开展并购贷款业务,通过5年多的发展,各商业银行并购贷款业务逐渐走入正轨,该业务的出现,是以市场化融资方式促进我国产业升级、行业整合与经济结构调整的有益探索。相比之下,作为一种新的融资方式,并购贷款在业务流程、风险评估和控制等方面仍需要在实践中不断总结和完善,需要再有效支持并购和防范风险之间实现平衡。本文从商业银行并购贷款业务着手,重点以J银行开展并购贷款业务进行分析,以J银行并购贷款具体业务为案例,着重分析J银行并购贷款业务的开展情况及存在的问题,从细化贷前调查、有效控制风险及贷后管理事项等方面提出针对性意见。
[Abstract]:Chinese enterprises follow the tide of world M & A. After 1978, the M & A of Chinese enterprises developed from the collective economy M & A with strong political color at the beginning of 1980s to the entry of WTO, and the scale of M & A expanded continuously. However, M & A needs to pay a large amount of funds at one time. Depending on the enterprise's own contribution alone, it will exert great pressure on the operating capital of the enterprise and it is very difficult to realize, which provides an opportunity for the commercial bank to intervene in the M & A loan. The emergence of M & A loan business, on the one hand, promotes the development of M & A transactions among enterprises, on the other hand, it also becomes a new profit growth point of commercial banks, which provides commercial banks with new business channels beyond the traditional business. The overseas M & A loan business started earlier and developed more mature. However, the domestic M & A loan business has really developed since the China Banking Regulatory Commission issued the "guidelines on risk Management of M & A loans of Commercial Banks" (hereinafter referred to as "the guidelines") at the end of 2008. Since then, commercial banks, as capital providers of M & A financing, have stepped onto the stage of Chinese M & A market and supported the reorganization and merger activities of domestic enterprises with credit services. Since the introduction of the "guidelines", M & A loans, under the effective guidance of the regulatory authorities and the active participation of the market main body, have developed healthily from simplicity to complexity, and have been able to support the M & A activities of Chinese enterprises. Major domestic commercial banks, such as CCB, ICBC, Bank of China, have been actively engaged in M & A loan business. After more than five years of development, the M & A loan business of commercial banks has gradually been on the right track, and this business has emerged. It is a beneficial exploration to promote China's industrial upgrading, industry integration and economic structure adjustment by means of market-oriented financing. In contrast, as a new financing method, M & A loan still needs to be summed up and perfected in practice in the aspects of business process, risk assessment and control. This article starts from the commercial bank M & A loan business, emphatically carries on the analysis to the J bank to carry on the merger and acquisition loan service, takes the J bank M & A loan concrete business as the example, emphatically analyzes the J bank M & A loan business development situation and the existence question. Some suggestions are put forward from the following aspects: detailed investigation before loan, effective control of risk and management matters after loan.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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