Commercial Bank Annexation Loan Risk Management Research

With the growth of China’s enterprises, the market competition as well as the further integration of domestic and foreign markets, mergers and acquisitions cases gradually increased in recent years, mergers and acquisitions financing needs large, fast growth, the emergence of the annexation loan accelerated the rapid development of our country enterprise mergers and acquisitions. annexation loan is a kind of new varieties, because compared to traditional annexation loan business loan business present the characteristics of complexity, professional and systematic, therefore, the risk of annexation loan has presented the characteristics of high risks and high profitability. The complexity of annexation loan and risk were higher than in the traditional sense of the loans.Therefore, annexation loan risk management is the core of the commercial Banks to carry out the annexation loan business work, how to prevent and manage annexation loan risk has become a commercial bank to open before the annexation loan business must to solve the first problem.This paper select commercial annexation loan risk management as the research object, first of all, the theory of risk analysis summarizes the annexation loan business; Second, focus on analysis of ZX bank co., LTD. Hangzhou branch in the annexation loan business risk prevention experience, combining with theory from the perspective of empirical analysis of the Chinese commercial Banks in the annexation loan business risk prevention concrete measures and precautions in the train of thought, combining theory with practice. Finally, this article from the perspective of commercial bank system construction, put forward a concrete suggestion in view of the annexation loan business risk management.In this paper, the relevant papers differs from the main innovation lies in:in this paper, the annexation loan risk prevention of empirical studies focus on the operational level and case, has strong practical significance. Through this article analysis and research, the author puts forward the 10 steps for commercial bank annexation loan risk management mechanism, to further enrich the annexation loan business of Chinese commercial Banks risk prevention measures, the development of annexation loan business in China provides some new methods and ideas.