本文關(guān)鍵詞：我國(guó)并購(gòu)貸款業(yè)務(wù)運(yùn)作模式及風(fēng)險(xiǎn)防范　出處：《上海社會(huì)科學(xué)院》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：伴隨著中國(guó)企業(yè)的成長(zhǎng),市場(chǎng)競(jìng)爭(zhēng)的加劇以及國(guó)內(nèi)外市場(chǎng)的融合,近年來(lái)并購(gòu)案例逐漸增多,兼并收購(gòu)融資需求大、增長(zhǎng)快。并購(gòu)貸款作為一項(xiàng)新的貸款品種,成為了加速并購(gòu)業(yè)務(wù)發(fā)展的重要推手。但是其推出以來(lái)五年有余,仍有許多企業(yè)難以獲得此類貸款。這是因?yàn)椴①?gòu)貸款在風(fēng)險(xiǎn)性和復(fù)雜性上均高于傳統(tǒng)意義上的貸款,發(fā)展尚不成熟。待并購(gòu)貸款的運(yùn)作模式及與之相關(guān)的風(fēng)險(xiǎn)控制更加完善時(shí),其業(yè)務(wù)規(guī)模才能得以擴(kuò)大,惠及更多企業(yè),助推企業(yè)的整合發(fā)展和我國(guó)的產(chǎn)業(yè)結(jié)構(gòu)優(yōu)化。 本文從商業(yè)銀行信貸管理理論入手,結(jié)合我國(guó)目前并購(gòu)市場(chǎng)現(xiàn)狀和企業(yè)需求,采用理論與實(shí)證相結(jié)合、比較分析和歸納總結(jié)的方法深入剖析我國(guó)商業(yè)銀行并購(gòu)貸款業(yè)務(wù)的現(xiàn)狀。對(duì)并購(gòu)貸款的運(yùn)作模式和風(fēng)險(xiǎn)管理作了梳理和歸納。在分析我國(guó)企業(yè)利用銀行信貸進(jìn)行并購(gòu)融資案例,和國(guó)外成熟的并購(gòu)貸款運(yùn)作模式的基礎(chǔ)上,提出了完善并購(gòu)貸款運(yùn)作模式的具體建議。 本文的主要內(nèi)容及觀點(diǎn)如下。第一,對(duì)在信貸管理理論進(jìn)行闡述的基礎(chǔ)上梳理了并購(gòu)貸款的基本概況,指出并購(gòu)貸款業(yè)務(wù)需要實(shí)現(xiàn)價(jià)值的增值和模式的創(chuàng)新,以及進(jìn)行有效的風(fēng)險(xiǎn)管理。而并購(gòu)貸款不同于其他貸款的特殊之處使之受到嚴(yán)格政策制約,并經(jīng)歷了從探索到試行再到快速發(fā)展的歷史進(jìn)程。第二,在對(duì)并購(gòu)貸款基本情況充分闡述的基礎(chǔ)上研究并購(gòu)貸款的運(yùn)作模式和風(fēng)險(xiǎn)管理現(xiàn)狀及問(wèn)題。從流程化的角度歸納了貸前、貸中、貸后并購(gòu)貸款的運(yùn)作模式；從業(yè)務(wù)開(kāi)展方式的角度,把運(yùn)作模式歸納為獨(dú)立發(fā)展客戶、與產(chǎn)權(quán)交易所合作和銀團(tuán)貸款三種模式。結(jié)合我國(guó)并購(gòu)貸款業(yè)務(wù)市場(chǎng)供求現(xiàn)狀指出我國(guó)并購(gòu)貸款運(yùn)作模式問(wèn)題在于銀行對(duì)企業(yè)并購(gòu)風(fēng)險(xiǎn)認(rèn)識(shí)不足,進(jìn)而討論并購(gòu)貸款風(fēng)險(xiǎn)控制。從并購(gòu)貸款風(fēng)險(xiǎn)管理特點(diǎn)和難點(diǎn)入手,指出我國(guó)并購(gòu)貸款風(fēng)險(xiǎn)控制一般措施是從審查、合同、擔(dān)保、提款條件和貸后管理著手的。結(jié)合企業(yè)貸后績(jī)效相關(guān)案例,分析貸后產(chǎn)生風(fēng)險(xiǎn)的多種原因。第三,歸納美國(guó)、日本并購(gòu)貸款運(yùn)作模式,結(jié)合前文多種問(wèn)題和原因的分析,從宏微觀層面提出了包括完善監(jiān)管、創(chuàng)新運(yùn)作模式、積極推廣并購(gòu)貸款的相關(guān)措施。
[Abstract]:With the growth of Chinese enterprises, the aggravation of market competition and the amalgamation of domestic and foreign markets, the cases of M & A have gradually increased in recent years, and the demand for financing of M & A is large and the growth is fast. M & A loan is a new loan variety. Has become an important driving force to accelerate the development of mergers and acquisitions, but it has been more than five years since its introduction. There are still many companies that have difficulty getting such loans because M & A loans are riskier and more complex than traditional loans. When the operation mode of M & A loan and the related risk control are more perfect, its business scale can be expanded and more enterprises will benefit. Promote the integration and development of enterprises and optimize the industrial structure of our country. This paper starts with the credit management theory of commercial banks, combines the current situation of M & A market and enterprise demand in our country, and combines theory with demonstration. The present situation of M & A loan business of commercial banks in China is deeply analyzed. The operation mode and risk management of M & A loan are summarized and summarized. M & A financing cases. On the basis of the mature operation mode of M & A loan abroad, the paper puts forward some concrete suggestions on how to perfect the operation mode of M & A loan. The main contents and viewpoints of this paper are as follows. First, on the basis of the theory of credit management, combing the basic situation of M & A loans, it points out that M & A loans need to realize the value of value-added and innovation of the model. And effective risk management. And M & A loan is different from other loans, which is subject to strict policy constraints, and experienced from exploration to trial to rapid development of the historical process. Second. On the basis of fully expounding the basic situation of M & A loan, this paper studies the operation mode and risk management of M & A loan, and sums up the operation mode of M & A loan before, during and after loan from the point of view of flow. From the point of view of the way of business development, the operation model is summed up as independent development of customers. In combination with the supply and demand situation of the M & A loan market in China, it is pointed out that the problem of the operation mode of M & A loan in China lies in the lack of understanding of the risks of M & A among the banks. From the characteristics and difficulties of M & A loan risk management, the author points out that the general measures of M & A loan risk control in China are from review, contract and guarantee. Combined with the relevant cases of enterprise post-loan performance, this paper analyzes the various reasons for the risk after lending. Thirdly, it induces the operation mode of M & A loan in the United States and Japan. Based on the analysis of various problems and reasons mentioned above, this paper puts forward some relevant measures including perfecting supervision, innovating operation mode and actively popularizing M & A loan from macro and micro level.
【學(xué)位授予單位】：上海社會(huì)科學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F271;F832.4

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