我国商业银行并购贷款业务风险管理问题研究.pdf

首都经济贸易大学
硕士学位论文
我国商业银行并购贷款业务风险管理问题研究
姓名:谭云天
申请学位级别:硕士
专业:金融学
指导教师:龙菊
20100301
摘要
2008 年 12 月 6 日,中国银监会发布了《商业银行并购贷款风险管理指引》,允
许符合条件的商业银行开展并购贷款业务。对我国商业银行而言,机遇与挑战并存。
一方面,并购贷款业务对于银行而言开辟了一个全新的业务品种;另一方面,由于
缺乏有效的风险管理,商业银行开展并购贷款业务还存在较高的风险性。如何做好风
险管理成为商业银行开展并购贷款业务成败的关键。
本文首先通过对我国商业银行并购贷款业务现状进行分析,可以看出商业银行在
实际操作过程中主要存在着目标企业选择不科学、资金管理缺乏有效的监控、专业人
才不足、相关法规和政策不够完善等问题。然后,本文主要根据国内商业银行对并购
贷款业务的探索,同时结合国外商业银行成功的经验,对以上问题进一步分析并提出
了具体的建议。针对目标企业选择不科学的问题,本文主要介绍了如何对目标企业进
行筛选和评估;针对资金管理缺乏有效的监控、专业人才不足、相关法规和政策不够
完善问题,本文提出了相应的解决措施和建议。













关键字:并购贷款、风险管理、企业并购、目标企业选择
I
On December 6, 2008, China Banking mission issued “ Guidelines for
Credit Risk Management of mergers and acquisitions mercial bank ”which allows
mercial banks to develop M & A loan business. For China'mercial
banks, opportunities and challenges are available. On one hand, M & A loan business for
banks has opened up the new categories of businesses; On the other hand, there is a higher
risk in M & A loan business due to the lack of effective risk management, How to do risk
management es the key point of developing the mergers and acquisitions loan
business mercial banks.
In this thesis, though the analysis of mergers and acquisitions loan business of China's
commercial banks, the author gets the conclusions that there are many problems during the
actual operation. For example, the ways of choosing panies are unscientific,
financial management is lack of effective monitoring, and there are a shortage of relevant
laws and regulations and policies. This thesis primarily gives further analysis of above
problems and puts forward the concrete proposals, on the basis exploration of mergers and
acquisitions loan business of mercial banks, combined with the experience of
mercial banks,. Targeting the unscientific enterprises-choosing ways, the
author explains how to screen and assess panies. Against the lack of effective
monitori