本文選題：商業(yè)銀行 + 并購(gòu)貸款　； 參考：《云南大學(xué)》2014年碩士論文

【摘要】：中國(guó)企業(yè)跟隨著世界并購(gòu)的浪潮,在1978年之后,我國(guó)企業(yè)的并購(gòu)由20世紀(jì)80年代初帶有濃厚政治色彩的集體經(jīng)濟(jì)并購(gòu),一直發(fā)展到加入WTO后,并購(gòu)規(guī)模不斷擴(kuò)大,但是企業(yè)并購(gòu)需要一次性支付大量資金,單獨(dú)靠企業(yè)自身出資會(huì)對(duì)企業(yè)運(yùn)營(yíng)資金產(chǎn)生較大壓力且很難實(shí)現(xiàn),由此為商業(yè)銀行并購(gòu)貸款的介入提供了契機(jī)。并購(gòu)貸款業(yè)務(wù)的產(chǎn)生,一方面推進(jìn)了企業(yè)間并購(gòu)交易的發(fā)展,另一方面也成為了商業(yè)銀行新的利潤(rùn)增長(zhǎng)點(diǎn),為商業(yè)銀行提供了傳統(tǒng)業(yè)務(wù)之外的新業(yè)務(wù)渠道。海外并購(gòu)貸款業(yè)務(wù)起步較早,發(fā)展較為成熟,但在國(guó)內(nèi)并購(gòu)貸款業(yè)務(wù)真正開展自2008年底中國(guó)銀監(jiān)會(huì)出臺(tái)了《商業(yè)銀行并購(gòu)貸款風(fēng)險(xiǎn)管理指引》(以下簡(jiǎn)稱《指引》)而真正開展的,自此,商業(yè)銀行作為并購(gòu)融資的資金提供者,走上中國(guó)并購(gòu)市場(chǎng)舞臺(tái),以信貸服務(wù)支持國(guó)內(nèi)企業(yè)的重組并購(gòu)活動(dòng)。 《指引》出臺(tái)以來(lái),并購(gòu)貸款在監(jiān)管部門有效引導(dǎo)和市場(chǎng)主體的積極參與下,由簡(jiǎn)單到復(fù)雜,循序漸進(jìn)地健康發(fā)展,有力支撐了中國(guó)企業(yè)的并購(gòu)活動(dòng)。建行、工行、中行等國(guó)內(nèi)主要商業(yè)銀行積極開展并購(gòu)貸款業(yè)務(wù),通過(guò)5年多的發(fā)展,各商業(yè)銀行并購(gòu)貸款業(yè)務(wù)逐漸走入正軌,該業(yè)務(wù)的出現(xiàn),是以市場(chǎng)化融資方式促進(jìn)我國(guó)產(chǎn)業(yè)升級(jí)、行業(yè)整合與經(jīng)濟(jì)結(jié)構(gòu)調(diào)整的有益探索。相比之下,作為一種新的融資方式,并購(gòu)貸款在業(yè)務(wù)流程、風(fēng)險(xiǎn)評(píng)估和控制等方面仍需要在實(shí)踐中不斷總結(jié)和完善,需要再有效支持并購(gòu)和防范風(fēng)險(xiǎn)之間實(shí)現(xiàn)平衡。 本文從商業(yè)銀行并購(gòu)貸款業(yè)務(wù)著手,重點(diǎn)以J銀行開展并購(gòu)貸款業(yè)務(wù)進(jìn)行分析,以J銀行并購(gòu)貸款具體業(yè)務(wù)為案例,著重分析J銀行并購(gòu)貸款業(yè)務(wù)的開展情況及存在的問(wèn)題,從細(xì)化貸前調(diào)查、有效控制風(fēng)險(xiǎn)及貸后管理事項(xiàng)等方面提出針對(duì)性意見。
[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.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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