商业银行并购贷款贷后风险管理探讨

商业银行并购贷款后的风险,主要包括整合风险、经营和财务风险。其成因在于国家政策时有变化、并购项目本身频频遇阻、银行员工素质与业务水平参差不齐、银行内部制度不甚健全等方面。针对商业银行并购贷款的贷后风险,银行方面应做到随时评估项目前阶段贷款的执行能力,定期比较并购项目的经营数据和财务指标,要求企业披露并购贷款发放后的相关重要信息,从而将并购过程中的损失降到最低。

Management on After-loaning Risks of Annexation for Commercial Banks

After annexation loan,the commercial bank faces the risks of integration,operation and finance due to frequent changes of national policies,obstacles from the annexation projects themselves,uneven qualities and abilities of bank staffs,and imperfect internal system of the banks.As for the after-loaning risk of annexation,the commercial bank should decrease its losses to the minimum during the annexation by regularly evaluating the ability to repay the previous loans,comparing the operational data and financial indicators of the annexation project,and asking the enterprise to disclose the relevant important information after annexation loan.