Risk Management Of China Commercial Bank M&A Loans

Commercial bank M&A loans are at an early stage of rapid development in China.In recent years,along with China's economic transformation and development model,the opportunities for the "going out" strategy of enterprises,the reform of state-owned enterprises,mixed ownership,and the upgrading of industries have emerged,and the scale of M&A loans has continued to expand.,put forward higher requirements for the risk management of this business.The M&A loan is different from the bank's general loan in terms of its purpose,time limit,and repayment source.It opens up barriers between the capital market and the traditional credit market,and therefore has higher complexity,particularity,and relevance,and the credit risk is greater.The impact on the asset quality of commercial banks is also more important.Therefore,how commercial banks choose M&A projects to provide loans and improve M&A loan risk management level is of great significance to the overall business development.This article starts from the example of China's Industrial and Commercial Bank J branch M&A loan and discusses how to deal with the M&A loan risk management of commercial banks.This paper first elaborates the connotation and characteristics of the M&A loan,analyzes the specificity of the M&A loan risk more than the general loan risk,and identifies the key points of the M&A loan risk management.Secondly,using the comprehensive evaluation method to construct the risk assessment indicator of the M&A loan of the ICBC J branch.The system and assessment model,and using four different types of cases,from the perspective of risk control system management and M&A loan business management,analyzed the credit risk management status of ICBC J branch,pointed out the main problems and analyzed the reasons.Finally,in light of the risk characteristics of M&A loans and the problems existing in the risk management of ICBC Bank J branch,a refined classification management mechanism was established,the overall management of M&A investment and financing businesses was strengthened,and a quantitative analysis system for key links was established.Improvement measures such as management level of business duration,optimization advice on risk management procedures and approval process,and specific measures for risk management of M&A loan by ICBC J branch and even other similar commercial banks,and the steady development of commercial banks under current conditions and Purchase loan business and improve risk management level play a guiding role.