摘要
I
商业银行并购贷款风险管理研究
---以中国信达并购南洋商业银行为例
中文摘要
近几年银行业竞争越演越烈，各家银行都迅速扩张，存贷利差不断缩小，挤压了
银行原有的利润空间。商业银行的业务范围已逐渐从传统存贷款领域间接走向资本并
购及证券业领域，以此拓宽经营渠道及利润来源。随着我国经济进入新常态，经济结
构调整逐步深入，企业兼并重组也日趋活跃。目前，企业通过银行贷款开展并购的方
式成为一种新的融资渠道被广泛运用

并购贷款政策的放宽能够帮助国内企业应对当前经济下行所带来的冲击，拓宽融
资渠道，从而推动我国与并购有关的法律，税收，资产评估等方面制度的创新，为我
国企业通过兼并重组做大做强，提高竞争力创造有利的金融环境。与此同时，商业银
行在开展并购贷款业务时的风险管理工作就显得尤为重要。商业银行需要识别出所面
临的所有实质性风险，对每一类风险进行准确的计量和评估并进行合理的风险加总，
有效评估并购贷款项目的风险状况和资本水平，持续监控并及时报告风险水平和风险
变化趋势，采取一定的风险控制和缓释措施，确保商业银行风险水平与风险偏好保持
一致

本文选择我国商业银行并购贷款风险管理作为研究对象，首先从贷款的形式、流
程、风险评估的方式等方面进行阐述，随后，从风险把控的几个角度对并购案例加以
分析，发现我国商业银行并购贷款业务的实际操作中存在的问题。之后，通过对国内
商业银行并购贷款业务的探索，建立一套并购贷款风险评价体系，采取定性分析、定
量测算、总体评价等方法对发现的问题进行分析并有针对性地提出了一些建议

关键词：商业银行；并购贷款；风险管理
作者：李莹
指导老师：陈东健英文摘要 商业银行并购贷款风险管理研究‐‐‐以中国信达并购南洋商业银行为例
II
The research of M&A loan risk management for commercial bank
---The example of CNIDA asset management co.,ltd merge NCB
Abstract
Recent years, with the fierce competition of banking business, the price margin
between the saving and the credit was narrow, so each commercial bank wants to expand
their business to keep the original profit. Thus, in order to keep their profit, the line of the
business of the commercial bank was transmitted from the traditional area to the capital
merge and the stocking areas gradually. As our economy was step into the New Normal
period, we can feel the influence of the economic restructuring and the economic
development pattern transforming. The Re-organization and merge of enterprise becomes a
certain trend with the growing of economic globalization. It is also a new concept in
enterprise management.
Merger and reorganization is the important way for the enterprises to integrating their
resources and resolving the problem of overcapacity. It is also the effective means to
realizing a leap forward in the coming year .M&A loan is one of the financial supporting
policies to help domestic enterprises to cope with the current international financial crisis
and expand domestic demand and to stimulate the economy through financial measure.
Thus, the risk management is crucial for the commercial banks.
In this thesis ,the author choose the M & A loan of commercial bank as the research
target, through the way of case study and financial analyzing to get the deficiency of M &A
loan in China&39;s Commercial banks. And then, the article provides some reference on the
base of the successful foreign experiences to state that there are many problems during the
actual operation in the process of M & A loan. At the end of the article the author put a few
solutions to better the current situation.
Key words：Commercial bank M & A loans risk management
Written by：Li Ying
Supervised by：professor Chen Dongjian
显示信息，或将命令回显打开或关上

ECHO [ON | OFF]
ECHO [message]
要显示当前回显设置，键入不带参数的 ECHO

目录
1、绪论 .........1
1.1 研究背景 ..........1
1.2 研究的目的与意义 ......2
1.2.1 研究的目的2
1.2.2 研究的意义...........2
1.3 研究思路与方法 ..........3
1.3.1 研究思路....3
1.3.2 研究方法....3
1.3.3 论文结构....3
1.4 文献综述 ..........4
1.4.1 国外文献综述........4
1.4.2 国内文献综述........5
2、商业银行并购贷款业务相关理论概述 .8
2.1 现代融资结构理论 .....8
2.1.1MM 理论 ....8
2.1.2 价值链理论...........8
2.1.3 自由现金流量假说9
2.2 并购贷款的形式 ........10
2.3 商业银行风险控制的一般方法 ........ 11
2.3.1 事前控制方法...... 11
2.3.2 事后控制方法...... 11
3、国内商业银行并购贷款风险管理现状及存在问题分析 .......13
3.1 国内银行并购贷款业务发展现状 ....13
3.1.1 国内银行并购贷款业务的发展历程......13
3.1.2 国内商业银行并购贷款业务迎来发展机遇......14
3.1.3 我国商业银行对并购贷款业务的要求..15
3.2 我国商业银行并购贷款风险管理流程及方法 .......18
显示信息，或将命令回显打开或关上

ECHO [ON | OFF]
ECHO [message]
要显示当前回显设置，键入不带参数的 ECHO

3.2.1 商业银行并购贷款风险管理流程..........18
3.2.2 我国商业银行并购贷款风险评估方式..20
3.3 国内商业银行并购贷款风险管理存在问题分析 ....22
3.3.1 宏观制度建设方面的问题..........22
3.3.2 商业银行自身方面的问题.........23
4、“中国信达收购南洋商业银行并购贷款”案例分析 ...25
4.1 案例背景 ........25
4.2 合法合规分析 26
4.3 目标企业背景分析 .........
。。。以上简介无排版格式，详细内容请下载查看