民营银行并购国有银行的动机、成本与风险探析

当前,在世界范围内特别是在发展中国家,掀起了一股民营银行并购国有银行的浪潮。这种并购容易产生现金流风险、信息不对称风险、政策诱导性风险、管理效率风险、并购失败风险。民营银行应通过以下措施和方法将风险消除,从而实现并购成功:结合银行实际,选用适合自身发展的并购方式;努力消除信息不对称;优化决策程序;妥善处理好与政府的关系。

An Analysis of the Motives and the Cost and Risk about Private Bank Merge with State-owned Banks

At present,private banks set off a wave of mergers and acquisitions of state-owned banks in the world, especially in developing countries.In the process of private banks'merger with state-owned banks,there faced with the risk of cash flow,information asymmetry risk,policy-induced risks,super large-scale operational risks,and the risk of merger failure. The following measures should be adopt by private banks to eliminate these risks:combining banking practice,selecting appropriate merger objectives for itsel...