An Analysis Of The Financial Risk Of Mergers And Acquisitions Bank Of China

With the continuous development of market economy and information technology,and gradually formed the pattern of global economic integration,between different countries and regions and trade exchanges have become increasingly frequent,cross regional currency settlement,loan financing demand more and more.Especially after the 2009 global financial crisis,financial pattern again changed significantly,financial barriers between countries and regions is gradually broken,foreign banks to further reduce the access threshold,the changes for our commercial banks,multinational business provides favorable conditions and ways.China's commercial banks by means of cross-border M &A to go abroad,to find their own matching acquisition target,seize the opportunity to adhere to international business philosophy,in order to enhance its influence in the international financial market and brand image.However,the multinational development is bound to have many uncertain factors,especially the financial risk is through the process of mergers and acquisitions,even with the success or failure of mergers and acquisitions,the slightest mistake could lead to the failure of mergers and acquisitions.At the same time,the research focus of many scholars at home and abroad is a merger,acquisition performance and other aspects,the financial risk theory and practice less,and the existing cross-border mergers and acquisitions of commercial banks is the case study on the analysis of successful cases,for the study of cases of failure is less and less.Therefore,China Minsheng Bank Mergers and acquisitions in the United States United Bank case,the analysis found that the financial risk is an important factor leading to the failure of cross-border mergers and acquisitions,mergers and acquisitions based on before and after the financial risk exploration and analysis,for China's commercial banks more successful completion of transnational merger and acquisition to provide reference.Based on the basic theory of commercial bank risk of cross-border mergers and acquisitions to collate and summarize,summed up the theoretical framework of this paper,based on analysis of the case United Bank Minsheng Bank Mergers and acquisitions,mergers and acquisitions,mergers and acquisitions process of motivation of financial risk comprehensively,and the Minsheng Bank Merger United Bank are analyzed,and evaluation on the whole event,emphasizes the objective comprehensive assessment plays an important role in financial risk.Finally,it summarizes the content of this paper and provides reference for more commercial banks to conduct cross-border M & a activities.