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论文编号：	2587
作者编号：	2220080643
上传时间：	2010/6/14 13:08:02
中文题目：	我国商业银行银团贷款资产交易管理研究
英文题目：	The Research on Assets Transaction Management of Syndicated Loan in China’s Commercial Bank
指导老师：	黄福广
中文关键字：	银团贷款 资产交易 资产证券化 商业银行
英文关键字：	syndicated loan asset transaction asset securitization commercial bank
中文摘要：	本文重点研究的是商业银行银团贷款资产交易管理。在国际上，银团贷款已有60多年的发展历史，是一种比较成熟的贷款产品和技术。尽管最近几年来，国内银团贷款市场呈现出快速发展趋势，但由于银团贷款在我国起步较晚，无论从占比还是从技术的成熟度方面，与发达国家相比还存在一定的差距。我国银团贷款占全部公司贷款余额比例只有5%左右，远远低于国际上20%的水平，银团贷款市场仍有较大发展空间。我国商业银行虽然已能够操作银团贷款，但在银行内部对该种业务的管理经验的确不足，尤其在资产交易管理上尚存欠缺。本文将以银团贷款业务及管理体系研究文献为开篇内容，而后深入探讨当前整体管理体系的不足和缺失部分，从而引伸出银团贷款资产交易管理章节。再次通过目前国内外金融界热议的资产证券化模式，提出将银团贷款资产进行证券化帮助实现资产交易功能。文章总结银团贷款交易管理是防范信贷集中度风险和提升我国银团贷款发展水平的需要。
英文摘要：	This paper focuses on the assets transaction links of commercial bank’s syndicated loan. Internationally, with over 60 years of development history, syndicated loans have become more mature loan products and technologies. Although in recent years, the domestic syndicated loan market is showing a fast-growing trend, there is still a gap between our country and the developed countries in the aspect of proportion and maturity of the technology as the syndicated loans in China started late. Syndicated loan market in China still has a large room for development because the proportion which the balance of syndicated loans accounted for of the balance of corporate loans in our country is about 5% which is far below the international level of 20%. Although China's commercial banks have been able to operate syndicated loans, but the bank’s internal lack the management experience of this kind of businesses, especially in the assets transaction links. This article will begin with an overview of syndicated loan business, introducing the syndicated loan business management system of commercial banks in China, and then take a depth discussion of the shortcomings and lack of parts of the current overall management system, which leads to the section about asset transaction of syndicated loans. Again by the hot asset securitization model in the current domestic and international financial field, the paper proposes securitization of syndicated loan assets to help realizing assets transaction capabilities. Eventually the author brings the assets transaction links of syndicated loan into the bank’s overall management system of this kind of businesses.
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