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The merger and acquisition financial business of commercial Banks

2019-10-29 来源: 51Due教员组 类别: Essay范文

下面为大家整理一篇优秀的essay代写范文- The merger and acquisition financial business of commercial Banks,供大家参考学习,这篇论文讨论了商业银行的并购金融业务。对于商业银行来说,并购金融业务的探索过程实质上也是商业银行迈向综合经营的探索过程,商业银行通过与券商、PE合作不断完善自身内部的组织架构、丰富并购金融产品,借助政策面的鼓励支持,在并购金融领域寻找到新的利润增长点,商业银行开展并购金融业务还可从其他方面进行改善。

In recent years, China's economic structure has undergone a tremendous transformation. First, the reform of the economic structure has achieved remarkable results. The elimination of traditional backward production capacity inevitably brings many bad debts to commercial Banks, which causes the non-performing ratio of commercial Banks' assets to keep rising. Second, the financial market has entered a new period of development, the stage of marketization, internationalization and diversification. A large number of financial management platforms have emerged, attracting a large number of residents' savings and reducing the amount of savings of commercial Banks. For example, the establishment of financial management platforms such as alipay and WeChat also attracts a large number of residents' spare funds, which makes the traditional business of commercial Banks continuously compressed. In addition, the popularity of huabai and jingdong baitiao has carved up the credit card business of commercial Banks, which is more difficult to carry out, bringing huge pressure to commercial Banks.

Under the big policy of economic structural reform, the State Council proposed to take the market as the guide to encourage the optimization of the market merger and reorganization, which promoted the further development of the merger and acquisition market, the reform of the financial system provided new opportunities for the development of commercial Banks, and merger and acquisition fund became a new market financing hot spot. In the context of a series of institutional reforms, such as streamlining administration, delegating power, strengthening regulation and optimizing services, m&a has become the main way for the capital market to counter the real economy. As the main body of the financial market, commercial Banks should combine with the market demand and give full play to their own advantages to provide sufficient financial guarantee and strong financial support for the development of the real economy.

Commercial bank has the advantages of traditional and basic resources, distribution of commercial outlets across the country, radiation is wide and its distribution density is reasonable, has a lot of customers from all walks of life resources, as a variety of customer resources in the middle of the station, can according to customer requirements to provide different business, for example of mergers &acquisition enterprises of different industries, can be negotiated between enterprises mergers and acquisitions, for in the industrial chain upstream and downstream enterprises with merger and acquisition needs, also can through the bank to consult, to help with mergers and acquisitions, in order to achieve the effective configuration resources.

Because commercial Banks have abundant capital, perfect internal risk control and management system, and high customer trust, compared with financial projects launched by funds, securities and other companies in the financial market, customers are more likely to choose commercial Banks at the same interest rate. In addition, commercial Banks have a good brand image and high customer loyalty, so many fund companies and financial platforms use commercial Banks' platforms to promote financial products. This kind of cooperation not only deepens the cooperation between silver needle and silver base, but also enables commercial Banks to accumulate financial experience, which is conducive to promoting Banks to better expand m&a fund business.

The financing cost of commercial loans and bonds issued by enterprises is relatively high, and there are many restrictions. Therefore, merger and acquisition fund has many advantages. First of all, the issuance of bonds has high requirements on enterprise qualification and many restrictions. In addition, due to the high market risk, low credit and high capital involved in the m&a business, commercial Banks usually do not provide bank loans for the m&a of small and medium-sized science and innovation enterprises out of consideration of risk control. The adoption of merger and acquisition fund can not only provide small and medium-sized enterprises with commercial loans to facilitate their merger and acquisition, but also reduce risks and losses, so that commercial Banks can truly serve the real economy.

When commercial Banks carry out merger and acquisition fund business, the newly established holding subsidiary has the highest security risk and the lowest risk. This method has high compliance and can effectively reduce the risk. However, some commercial Banks do not meet the opening standards, so they need to carry out such business through channels, so they are faced with certain problems in terms of compliance, especially the external policy supervision of compliance. According to the "new financial regulation", the term and investors of the non-subject bonds in financial management funds are required to meet certain requirements. The financial management projects of commercial Banks tend to make rolling sales and adopt the method of capital pool when docking funds, which has compliance problems. Therefore, when commercial Banks sell wealth management products, they need to conduct management in strict accordance with regulatory requirements.

After the compliance of capital source, organizational form and investment mode is determined, Banks tend to give priority to credit risk review when conducting internal review. For the sake of capital security and satisfactory earnings, commercial Banks often require enterprises to provide complete trading schemes. In the process of business execution, if there is any problem in the cash flow of the project and the capital of the investment subject matter is lower than the financing leverage ratio required by the bank, the commercial bank will not only re-examine the investment subject matter and the solvency of the investor, but also require the enterprise to increase the capital of the subject matter to ensure the security of the principal.

It usually refers to the market price of the bidding industry, such as the stock or commodity price changes beyond the expected, which will have an adverse impact on the enterprise to achieve the established goal. When the valuation falls substantially, the enterprise often fails to reach the expected target. When the major shareholder or the third party has a strong buyback capability, the commercial bank is less risky.

Buy-out fund business for commercial Banks to explore process is essentially the exploration process towards a comprehensive commercial Banks, commercial Banks through cooperation with brokers, PE improve their own internal organizational structure, rich m&a financial products, with the help of a policy to encourage support, new profit growth point in the field of mergers and acquisitions of financial, commercial bank m&a financial business can also be improved from the following aspects:

On the one hand, due to the current commercial bank m&a financial business related laws and regulations are not perfect, the internal commercial Banks lack of professional investment banking, risk management problems such as conflict, will let the fund of commercial Banks in the m&a business encountered a lot of the systemic risk, in addition, the establishment of SPV involved in mergers and acquisitions fund mode, because of the complexity of the structure will cause a series of regulatory problems when subsequent IPO, its core is the commercial Banks to raise funds and make special products to professional ability. , therefore, to establish perfect measures for supervision and control over banking financial institution mergers and acquisitions financial business funds raised last exit from the front needs to have a complete operation methods and management processes, and strengthen investment banking professionals equipped with commercial Banks, these problems have become commercial Banks smooth and carry out mergers and acquisitions fund business in the future need to discuss an important topic.

On the other hand, according to the latest national financial work conference, commercial Banks should also actively cooperate with government industrial funds, use the PPP model encouraged by the state, directly cooperate with industrial parent funds, better respond to the national policy guidance, serve small and medium-sized scientific and innovative enterprises, and truly achieve information symmetry and win-win situation between Banks and enterprises.

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