Research On The Management Problems Of J Bank M&A Loan Business

Chinese enterprises are always keeping up with the wave of world M&A. After1978, China’s M&A is of collective economy with heavy political color at the start of the1980’s. After joining WTO, the scale of M&A is expanding continually, but the enterprises need a lot of money at once when they merge other companies. It is too hard for the enterprise to fund only by itself which will bring great pressure to the operating capital of the enterprise. Consequently this situation provide opportunities for commercial bank to involve in the M&A loan, the emergency of the M&A loan business not only promote the development of the M&A transactions among enterprises, but also become new profit growth point of commercial banks, which provide new business channels for the commercial banks outside the traditional business. Overseas M&A business loans started earlier and its’development is relatively mature, but the domestic M&a loan business really launched in December9,2008when CBRC issued "M&A Commercial Bank loan risk management guidelines". Since then, as the capital provider of M&A, Commercial Bank gone to the china M&A stage, its’loan service supported the recombination and M&A of domestic enterprises.Since the guidelines issued, the M&A loan gradually developed healthily from simple to complex under the management department guided efficiently and the active participate of market part, supported the M&A in china enterprises powerfully. The CCB, ICBC, BOC and other domestic commercial banks actively carry out the M&A loan business, through5years of development, the business of these commercial banks gradually going into the orbit, the appearance of this business promote analyze and exploring of the industry upgrade, industry reconstruction, and economic construction adjust. In contrast, as a new way of financing, M&A loan still need to continuously review and improve in practice in the business process, risk assessment and control, also need to effectively support the balance between M&A and guard against the risk.This paper begin with the M&A loan business of commercial bank, focuses on the analysis of J banks’m&a loan business, taking J bank’s M&A loan specific business as a case, analyzes the development situation and problems existing in the M&A loan business of commercial bank, proposed regard suggestions from detailed pre-loan investigation, efficient risk management and after-loan risk management issues.