A Study On Risk Management Of Commercial Bank M&a Loan In China

With the rapid development of economy in our country,the progress of technology,the improvement of management mode,and the behavior of our country enterprise mergers and acquisitions increased year by year,both in number of mergers and acquisitions and mergers and acquisitions amount presents substantial growth.For the m&as,the funds needed for the m&a is to solve the first problem which the enterprise mergers and acquisitions.In our country,m&a financing mainly depends on the commercial bank loans,especially the banking regulatory commission(CBRC)issued in 2008,the commercial bank m&a loan risk management guidelines\",open up the m&a loan business in our country,m&a in our country commercial bank loan business booming.The enterprise m&a loan has become an important business of commercial Banks,as a relatively new loans varieties,the risk management has become a commercial bank must pay attention to an important question.First of all,the article introduces the background and significance,combined with foreign scholars within the study of loan risk of commercial bank m&a theory to comb,summarize and put forward in this paper,research methods and thesis structure;Then,the paper expounds the relevant theoretical basis of the article,types,characteristics and processes of m&a loan is introduced,and the commercial Banks in the m&a loan business major risk,according to the different risk sources will be divided into two categories:internal and external risks;Then,the United States and Japan and other countries for reference to carry out the m&a loan business situation,summed up the experience enlightenment of loan business,and comparing the current situation of our country commercial bank m&a loan and are faced with the problem;In the fourth chapter,from the perspective of specific case,according to China's commercial Banks to carry out the m&a loan business of particular practice,analysis of m&a loan business compliance,personnel and internal risk,such as the operation and to investigate its strategy,policy,valuation,and the external risk,such as integration,respectively with Z-Score model and CreditMetrics model for construction bank financial risk and credit risk faced by investigation;Finally,the article summarizes the our country commercial bank m&a loan business risks and put forward the corresponding risk management advice.This article from the commercial Banks internal and external two aspects to comb and analyzes our country commercial bank m&a loan business of all kinds of risks.Adopt the method of combining qualitative and quantitative,to our country commercial bank to carry out the specific case of m&a loan business as investigation object,the Z-Score model and CreditMetrics model of examining the financial risk and credit risk,put forward the our country commercial bank should start from their own internal on one hand,an internal compliance audits,financial risk management,the improvement of the employees to foster optimization;On the other hand,should actively cooperate with the relevant state departments in the m&a market institutional construction and for the supervision and management of m&a loan use,in order to reduce the risk of commercial Banks,eventually create a good financing environment,promote healthy and orderly development of China's m&a market safe.