The Research Of M&A Loan Risk Management For Commercial Bank

Recent years,with the fierce competition of banking business,the price margin between the saving and the credit was narrow,so each commercial bank wants to expand their business to keep the original profit.Thus,in order to keep their profit,the line of the business of the commercial bank was transmitted from the traditional area to the capital merge and the stocking areas gradually.As our economy was step into the New Normal period,we can feel the influence of the economic restructuring and the economic development pattern transforming.The Re-organization and merge of enterprise becomes a certain trend with the growing of economic globalization.It is also a new concept in enterprise management.Merger and reorganization is the important way for the enterprises to integrating their resources and resolving the problem of overcapacity.It is also the effective means to realizing a leap forward in the coming year.M&A loan is one of the financial supporting policies to help domestic enterprises to cope with the current international financial crisis and expand domestic demand and to stimulate the economy through financial measure.Thus,the risk management is crucial for the commercial banks.In this thesis,the author choose the M & A loan of commercial bank as the research target,through the way of case study and financial analyzing to get the deficiency of M &A loan in China’s Commercial banks.And then,the article provides some reference on the base of the successful foreign experiences to state that there are many problems during the actual operation in the process of M & A loan.At the end of the article the author put a few solutions to better the current situation.