M & A Loan Business Of Commercial Banks To Carry Out Research And Risk Management

"Merger and acquisition loan risk management guidelines" promotes symbolizes that the Commercial bank may use the bank financing support enterprise stockholder's rights merger and acquisition project. M&a loans refer to the commercial bank to m&a party or its subsidiary issuing which are used to pay acquisitions price loans. The merger and acquisition refers to a transaction behavior that merger and acquisition enterprise can merger or substantially control the goal enterprises which have already been set up and managed continually through transferring the existing stockholder's rights, subscribing addition stockholder's rights, or to purchase property, contract debt and so on. Among them, purchasing property and contracting debt are the main forms of merger. Acquisition loans are mainly embodied in the characteristics which can be used to share purchase loans. The merger and acquisition loan compares other loan variety to be complex and the risk control request is higher. This article has studied the methods of the commercial bank merger and acquisition loan high risk financing risk control. It has analyzed the merger and acquisition loan risk characteristics from the strategic risk, the estimate value risk, the price risk, gathered the gauge risk and the prestige risk and so on. The article has established the merger and acquisition credit risk evaluation models. It gives suggestions from the amount control judgment merger and acquisition loan, transaction feasibility, guarantee structural design, repayments arrangement. It also discusses if there is an industrial degree of correlation between the merger and acquisition loan purchase side and the goal enterprise and the transaction choices, the repayments originated as well as the self-provide capital arrangement of the borrower. The innovation spot of this article is that the merger and acquisition loan risk has carried on the thorough analysis from the theory to the real diagnosis. It has established the merger and acquisition credit risk evaluation models and provides the valuable reference of the merger and acquisition loan fulfills duty in the investigation for commercial banks.