Research On Legal Risk Control Of M&A Loans Of Commercial Banks

In today's rapid economic development,in order to speed up the adjustment of economic structure and industrial upgrade of optimization and industry consolidation,a good credit environment and credit tool is indispensable.In order to guide the legal and rational credit funds into the m&a market,December 2008,the China banking regulatory commission has issued a "commercial bank m&a loan risk management guidelines",after the document issued,principled and orderly management,but the policy also has a certain flexibility,the rapid development of the m&a loan not only contributed to the development of enterprises,but also for enterprises in the process of developing a helping hand.M&a loan to further broaden the scope of commercial bank loan business,further expanding profit space of commercial Banks,greatly improved the investment function of commercial Banks,is helpful to build integrated management platform.In addition,customer loyalty is very important for Banks,which can implement enterprise mergers and acquisitions generally are money and power are more abundant of big clients,when the commercial Banks to step in to deal with these customers of mergers and acquisitions,will force these clients of Banks have dependencies,greatly improving the ability to lock customers.M&a loan is the common affairs of the enterprise two or more parties,each enterprise has its own particularity,have different characteristics,development course,including the enterprise culture is very different,and coordination with government relations and so on,these are all important factors to consider.If again with overseas enterprise mergers and acquisitions,it highlights the problems will be more complicated,which is why the law of the m&a loan risk is higher than general loan.Therefore,m&a loan legal risk control is the most key of m&a loan business risk control,most of that nots allow to ignore.To be sure: m&a loan legal risk control is the precondition of mergers and acquisitions,is also a prerequisite,it is necessary to in-depth analysis,research and investigation of commercial Banks in the m&a loan various legal risks,and the risk control methods and specific Suggestions,etc.In order to effectively manage risks at the same time,actively promote the development of m&a loan business of commercial Banks in China,we need to constantly research and summary of m&a loan from the aspects of operation practice effective practice control legal risks,improve the cognitive level of legal risk and strengthen the legal risk prevention control ability.