| 我国商业银行并购贷款风险分析 |
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| 引用本文： | 王富华,石晓雷. 我国商业银行并购贷款风险分析[J]. 改革与战略, 2011, 27(5): 72-74 |
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| 作者姓名： | 王富华 石晓雷 |
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| 作者单位： | 兰州理工大学经济管理学院,甘肃,兰州,730050 |
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| 摘 要： | 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。
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| 关 键 词： | 商业银行 并购贷款 风险控制 |
The Risk Analysis of Commercial Bank Merger and Acquisition Loan |
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| Wang Fuhua,Shi Xiaolei. The Risk Analysis of Commercial Bank Merger and Acquisition Loan[J]. Reformation & Strategy, 2011, 27(5): 72-74 |
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| Authors: | Wang Fuhua Shi Xiaolei |
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| Affiliation: | (Economic and Management School,Lanzhou University of Technology,Lanzhou,Gansu 730050) |
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| Abstract: | 《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. |
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| Keywords: | commercial bank merger and acquisition loan risk control |
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