本文關(guān)鍵詞：中國民生銀行并購美國聯(lián)合銀行財(cái)務(wù)風(fēng)險(xiǎn)分析　出處：《吉林財(cái)經(jīng)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 跨國并購 并購風(fēng)險(xiǎn) 財(cái)務(wù)風(fēng)險(xiǎn) 民生銀行

【摘要】：隨著市場經(jīng)濟(jì)與信息技術(shù)的不斷發(fā)展,全球經(jīng)濟(jì)一體化格局逐漸形成,不同國家與地區(qū)之間的貿(mào)易往來日益頻繁,跨國、跨區(qū)域的貨幣結(jié)算、貸款融資等需求越來越多。尤其是2009年全球金融危機(jī)爆發(fā)之后,金融格局再度發(fā)生顯著變化,國家與國家、地區(qū)與地區(qū)之間的金融壁壘逐漸被打破,外資銀行的準(zhǔn)入門檻進(jìn)一步降低,上述種種變化為我國商業(yè)銀行跨國經(jīng)營提供良好的條件和途徑。我國商業(yè)銀行紛紛采用跨國并購的方式走出國門,尋找與自身相匹配的并購對象,抓住機(jī)遇堅(jiān)持國際化經(jīng)營理念,以提升自身在國際金融市場的影響力與品牌形象。但是,跨國經(jīng)營發(fā)展勢必產(chǎn)生諸多的不確定性因素,尤其是財(cái)務(wù)風(fēng)險(xiǎn)更是貫穿并購活動(dòng)的整個(gè)過程,甚至關(guān)系著并購活動(dòng)的成敗,稍有不慎就可能導(dǎo)致并購失敗。同時(shí),國內(nèi)外學(xué)者研究重點(diǎn)多是并購動(dòng)因、并購績效等方面,對于財(cái)務(wù)風(fēng)險(xiǎn)的理論與實(shí)踐探索較少,而且現(xiàn)有的商業(yè)銀行跨國并購案例研究多是成功案例的分析,對于失敗案例的研究則是少之又少。因此,本文以民生銀行并購美國聯(lián)合銀行事件為案例,經(jīng)過分析發(fā)現(xiàn)財(cái)務(wù)風(fēng)險(xiǎn)是導(dǎo)致其跨國并購失敗的重要因素,通過對并購前、中、后財(cái)務(wù)風(fēng)險(xiǎn)的探索和分析,為我國更多商業(yè)銀行順利完成跨國并購提供參考。本文通過對商業(yè)銀行跨國并購風(fēng)險(xiǎn)基本理論進(jìn)行整理和匯總,歸納出本文的理論框架,以此為基礎(chǔ)對民生銀行并購美國聯(lián)合銀行案例展開分析,對并購過程、并購動(dòng)機(jī)進(jìn)行全面地闡述并對民生銀行并購美國聯(lián)合銀行的財(cái)務(wù)風(fēng)險(xiǎn)情況進(jìn)行分析,并對整個(gè)并購事件進(jìn)行評價(jià),強(qiáng)調(diào)客觀全面評估財(cái)務(wù)風(fēng)險(xiǎn)具有重要的意義。最后,對全文內(nèi)容進(jìn)行總結(jié),為更多商業(yè)銀行進(jìn)行跨國并購活動(dòng)提供參考與借鑒。
[Abstract]:With the continuous development of market economy and information technology, the pattern of global economic integration is gradually formed, and trade exchanges between different countries and regions become more and more frequent, transnational and cross-regional currency settlement. Especially after the global financial crisis broke out in 2009, the financial structure changed significantly again, and the financial barriers between countries, regions and regions were gradually broken down. The entry threshold of foreign banks is further lowered. The above changes provide good conditions and ways for the transnational operation of Chinese commercial banks. Chinese commercial banks have adopted the method of cross-border mergers and acquisitions to go abroad. Looking for M & A objects matching with itself, seizing the opportunity to adhere to the concept of international management, in order to enhance their influence in the international financial market and brand image. The development of transnational operation is bound to produce many uncertain factors, especially financial risks run through the whole process of M & A activities, and even related to the success or failure of M & A activities. At the same time, scholars at home and abroad focus on M & A motivation, M & A performance and other aspects, and less theoretical and practical exploration of financial risk. And the existing case studies of cross-border M & A of commercial banks are mostly the analysis of successful cases, and the research of failure cases is very few. Therefore, this paper takes the case of Minsheng Bank merger and acquisition of United States Bank as a case. After analysis, it is found that financial risk is an important factor leading to the failure of cross-border mergers and acquisitions, through the exploration and analysis of financial risks before, during and after mergers and acquisitions. This paper summarizes the basic theory of cross-border M & A risk of commercial banks and summarizes the theoretical framework of this paper. On this basis, this paper analyzes the case of Minsheng Bank M & A, the process of M & A, the motivation of M & A and the financial risk of Minsheng Bank M & A. The evaluation of the whole M & A event emphasizes the importance of objective and comprehensive evaluation of financial risk. Finally, the content of the full text is summarized to provide reference and reference for more commercial banks to conduct cross-border M & A activities.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33;F271;F830.42

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