加快我国商业银行银团贷款发展的对策研究.docVIP

摘 要 商业银行是经营风险的企业，商业银行的发展进一步加剧了国际经济一体化，也加剧了金融市场各企业之间的竞争，增加了银行的风险，这要求商业银行进行创新业务管理和风险管理工具以保持商业银行的竞争力。作为信贷组合管理工具之一的银团贷款，不仅作为重要的融资方式之一，并且也作为分散风险的重要工具，与双边贷款相比，有着非常大的优势，比如贷款期限较长、金额数量大、有相当大的成本效益、易于风险的分散等，如果能够有效地使用它们，将会提高中国金融体系运行的现状，以提高商业银行和其他金融机构的抗风险能力和盈利能力，以确保金融体系和金融市场的稳定运行。本文主要介绍了我国商业银行银团贷款发展的现状，存在的问题以及欧美银团贷款发展的现状及对我国银团贷款发展的启发。 【关键词】：银团贷款 风险 现状 经验借鉴  Abstract Commercial banks are the operational risks of the enterprise, development of commercial banks further exacerbated by the international economic integration, financial markets have intensified the competition between enterprises, increasing the risk of banks, which requires commercial banks to carry out innovative business management and risk management tools in order to maintain the competitiveness of commercial banks. As a syndicated loan of credit portfolio management tool, not only in the international financial markets as an important means of financing, but also as an important tool for financial markets dispersion of credit risk, and the relative ratio of bilateral loans, syndicated loans have a very big advantage, for example, the longer the loan period, the number of large amount, there is a large cost-effective, easy to spread risk, etc., if we can use them effectively, will improve the current situation of Chinas financial system is running, in order to improve the anti-commercial banks and other financial institutions risk and profitability, in order to ensure the stable operation of the financial system and financial markets.This paper describes the current situation of the development of syndicated loans of commercial banks, the existing problems and the status of the development of syndicated loans in Europe and inspired the development of syndicated loan of. 【Key words】:Syndicated loan Risk Current situation Experience reference 一、研究背景及意义 (一)研究背景 目前，日益多样化和全球化的经济发展是当今的主流，经济全球化提高了资源配置的优化，促进了全球生产力的提高，给世界带来了十分难得的发展机会，这个潮流和趋势是不可阻挡的。 由于经济全球化的袭来，带动了银团贷款市场的迅速发展