近期,中国银监会正式对外发布修订后的《商业银行并购贷款风险管理指引》(以下简称《指引》)并从发布之日起施行。新修订的《指引》主要做出三点调整:将贷款期限从5年延长至7年,将并购贷款占并购交易价款的比例从50%提高到60%,将并购贷款担保的强制性规定修改为原则性规定。同时,要求商业银行进一步加强并购贷款 Recently, China Banking Regulatory Commission (CBRC) officially released the revised Guidelines on Risk Management of M & A Loans for Commercial Banks (hereinafter referred to as “Guidelines”) and implemented it from the date of its promulgation. The newly revised “Guidelines” mainly make three adjustments: extending the term of a loan from five years to seven years, increasing the proportion of M & A loans to the transaction price of mergers and acquisitions from 50% to 60%, and modifying the mandatory requirements for M & A loan guarantees For the principle of regulation. At the same time, commercial banks are required to further strengthen M & A loans