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论文编号：	2764
作者编号：	2120082279
上传时间：	2010/11/29 20:44:37
中文题目：	我国商业银行企业并购贷款风险管理研究
英文题目：	Study of Risk Management For Annexation Loan in Chinese Commercial Bank
指导老师：	王全喜
中文关键字：	商业银行 企业并购 并购贷款 风险管理
英文关键字：	Commercial Bank Merger of Enterprise Annexation Loan Risk Management
中文摘要：	企业并购是随着市场经济的深入发展,企业规模的扩大，产业结构的调整而产生的，是市场经济对资本进行配置、企业扩大规模的一种重要形式。银监会于2008年12月发布了《商业银行并购贷款指引》，允许我国符合条件的商业银行开展并购贷款业务，使并购企业的融资需求与商业银行并购贷款业务的开展一拍即合，并购贷款业务发展之迅速始料不及，2009年全国并购贷款共发放200多亿元。并购业务动机具有复杂与多样性，商业银行并购贷款业务尚属开展初期，风险防控经验不足，缺少专业并购人员等等内外部因素导致并购贷款业务中风险重重，这些宏观的、微观的，显性的、隐性的风险危及到商业银行资本运营的安全，股权并购风险需要特别重视，风险防范措施更要全面、有效。 本文采用规范研究和案例分析相结合的研究方法，研究目前我国商业银行在开展股权并购贷款中贷款风险产生的原因并提出风险的防范和化解措施，文中特别指出我国并购贷款特有的政策风险、监管风险。本文共分为六个章节，第一章绪言，阐述并购贷款的研究背景，研究方法和研究路线；第二章介绍了并购贷款风险研究文献，分别阐述了国外和国内理论研究成果；第三章阐述并购贷款风险及成因分析，主要是从商业银行角度分析了风险形成的内部和外部因素；第四章并购贷款风险的防范措施和建议，分别从外部监管环境和商业银行内部风险防范体系的建立角度阐述防范措施；第五章通过列举吉利集团并购沃尔沃汽车公司的案例分析商业银行在并购贷款中具体的风险评估及风险预警措施；第六章总结，商业银行在并购贷款业务的开展中要严格按照《商业银行并购贷款风险管理指引》要求操作，在外部完善监管、法律环境的同时完善内部并购贷款业务风险管理体系，引进或培养专业的并购人才，与充分利用外部专业技术人员等内部因素相结合，审慎开展并购贷款业务。并购贷款作为一种新的贷款品种，只要控制好风险，一定会为企业和银行创造双赢的局面，有很大的发展空间。
英文摘要：	Enterprises merger comes into being with the development of market economy, the scale enlargement of enterprise, and the restructuring of industry and capital market economy. It's an important form of the capital configuration and expanding enterprises scale by market economy.In 2008 december, China Banking Regulatory Commission (CBRC) has issued guidelines to commercial banks' loans for mergers and acquisitions, where qualified commercial banks are permitted to carry on annexation loan. It helps the perfect match between the financing requirements of enterprise merger and the expanding of annexation loan. And the speed of developing annexation loan is so rapid that there are more than 20 billions RMB of annexation loans throughout the country in 2009. However, the motives of Annexation loan are complex and diversified. In the very beginning of development stage of annexation loan, there are lots of internal and external factors, including lack of the experience to defend risk and professionals, causing a variety kinds of risks, which is macro, micro, explicit, recessive, and jeopardizing the commercial banks' capital operation safety. So equity merger risk requires particular attention, and risk prevention measures needs to be more comprehensive and effective. This paper combines the integrating research with case analysis methods, to study the reasons and defending solutions of the risk producing in the expending of annexation loan in domestic commercial banks at present. In this paper, we point out the special risks in our country, including policy risk and regulatory risk. This article falls into six chapters. In the first chapter, we introduce the background, methods and research lines; Chapter Two is an introduction of study literatures for annexation loan, which are the foreign and domestic theoretical research results； In Chapter Three, the content is the risk analysis of mergers and causes, mainly from the view of commercial bank to analysis the internal and external factors ； The fourth chapter is the preventive measures and recommendations of annexation loan, on the angles of external supervision enviroment and inside risk prevention system of commercial banks to discribe the establishment of the safeguards； The fifth chapter is to analysis explicit commercial bank's risk assessment and the risk of early-warning measures in the case study of volvo car company absorbed by China geely group; Chapter Six is to summarize that commercial banks should be strictly in accordance with the commercial bank lending guidance of commercial banks' loans for mergers and acquisitions, and should improve the external supervision and law environment while improving risk interal management system, should introduce and develop professionals for merge, combined with full use of external and technical personnals and other internal factors, carefully carrying out loans. Annexation loan as a new kind of loan, only if with proper control of risk, will be good for both business and bank, creating a win-win situation, and there is plenty of room for development.
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