Research On Risk Identification And Management Of Mergers And Acquisition Loans Of Commercial Banks

In recent years,China’s economy is facing a critical period of transformation,and the industrial structure is constantly adjusted and upgraded.Due to the lack of endogenous growth of some enterprises,the wave of enterprise merger and acquisition is piling up.At the same time,the banking industry is developing steadily,and the trend of corporate finance is increasingly emerging.A large number of enterprises obtain merger and acquisition funds through bank loans.However,due to the fact that M&A involves many issues and a wide range,M&A loan is different from the general traditional loan business,and its risks are more complex and diverse.In today ’s increasingly strict financial supervision,commercial banks pay more attention to the quality of credit assets,and the importance and urgency of preventing the risk of M&A loans are increasingly prominent.Studying the risk identification and management of M&A loan business is conducive to systematically and comprehensively combing the relevant risk points of M&A loan business,finding out the causes of these risk points,and combining with the relevant theory and practice,putting forward practical and effective suggestions to help commercial banks improve the ability of M&A loan risk identification and management,and promote the steady development of business.This paper first summarizes the general risks faced by M&A loan business from the perspectives of internal and external banks,at the same time,summarizes the relevant methods and principles of risk identification and management,and further discusses the M&A loan into the risk management framework;selects the first level branch of J bank,a large state-owned commercial bank,established in Suzhou,and introduces its M&A loan business as an example This paper analyzes the current situation of business development,process mechanism,management method,and current risk identification and management mechanism,and selects a typical case of M&A loan risk identification and management for specific analysis;points out the shortcomings of M&A loan business of J Bank Suzhou Branch in risk identification and management at present;according to the actual business needs and combined with the relevant theoretical basis,from many aspects.This paper puts forward suggestions and opinions on the risk identification and management of M&A loan business,which has certain reference significance in practice.