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银团贷款能够有效防范信息不对称、信贷欺诈等问题,还能降低各参与银行的信贷风险,有利于银行信用风险的识别与信贷资产的流动。为培育我国银团贷款市场,促进银团贷款业务发展,银监会最近颁布了《银团贷款业务指引》。本文在介绍了《银团贷款业务指引》出台的背景及主要内容后,分析了其特点及不足,最后就商业银行运用该指引提出了建设性意见。
Syndicated loans can effectively prevent information asymmetry, credit fraud and other issues, but also reduce the credit risk of participating banks, is conducive to the identification of bank credit risk and the flow of credit assets. To foster the syndicated loan market in our country and promote the development of syndicated loan business, the CBRC recently promulgated the “Guidelines for Syndicated Loan Business”. After introducing the background and main content of “Guide for Syndicated Loans Business”, this article analyzes its characteristics and shortcomings. At last, it puts forward constructive suggestions on using this guideline by commercial banks.