兩岸金融授信探討—以A銀行聯貸授信案為例

Abstract

本研究以A銀行所面臨S公司聯貸案為例，分析全球聯貸市場、兩岸金融發展，並且以A聯貸案為例進行個案分析，研究結論如下： 如果聯貸對象為大陸企業，必須深入了解大陸地區法規、借款人背景、財務報表之真實性、借款公司產業及業務分析、聯合當地銀行徵信、要求擔保抵押品等，不能只看對方報表以及在某些國家上市就判定其償債能力足夠。此外金融機構應進行獨立審核及評估與主辦行之職責，主辦行在聯貸案的職責更應明確說明以增加其為眾銀行嚴格監督把關借款人償債能力的誘因。 未來要進入大陸市場做生意，一定要與當地銀行合作，協請官方建立專責機構、交流平台，民間則進行策略聯盟、從業人員交流、透過往來客戶建立關係及簽訂相關業務MOU，這也是未來兩岸金融合作雙方政府及民間應努力的方向。

This research uses a case study of syndicated loan of bank A to investigate the bank credit business between Taiwan and mainland China. I find that if the syndicated loan is lent to China’s enterprise, lending banks should know the relevant law of China, background of borrower, the truth of financial statement, the deep analysis of industry and business operation in detail. In addition, lending bank must ask for borrower’s properties as mortgages to prevent for future default and not just look its financial numbers or bank account. Financial institutions should conduct independent audit and due diligence and evaluate the duty of leading bank to increase the incentive of leading bank to supervise the borrower. If Taiwan’s bank plans to do business in the china market in the future, it must cooperate with local bank. Strategy alliance, interaction of staffs between both banks, customer relationships management and the sign of MOU in relevant business are ways of cooperation of banks. Besides, China and Taiwan’s official should establish the special purpose institution and forum to help the financial integration process of Taiwan and mainland China.