銀行聯合貸款契約—以主辦銀行與參貸銀行之法律關係為中心

Abstract

銀行聯合貸款，係國際金融市場上企業重要融資管道之一，本文試圖自銀行聯合貸款的背景架構，尋找銀行聯合貸款於國際金融環境架構下之定位，循此架構為本，具體探討銀行聯貸於國際金融架構下之定位，以及其成員和融資組合，最後說明銀行聯貸此種融資模式相較於其他籌資模式之優缺點；第三章由金融大環境聚焦於銀行聯合貸款本身，就其自身的生成過程，依動態的時序介紹銀行聯貸中不同銀行的角色、銀行聯貸的程序、融資安排時間表、銀行聯合貸款的主要文件、銀行聯合貸款參與者收益計算；第四章則為靜態之契約文件，著眼於銀行聯貸聯合授信合約之內容，針對具體條文規範之章節作分析；第五章則為銀行聯貸契約之法律風險，由銀行聯貸的四個英美法實務案例研析出發，對於貸款銀行團間之法律關係、法律上之請求權基礎以及法院對銀行聯貸的態度試作分析。結論上，自法院立場觀察，多數意見係以尊重市場自律為基調。

Syndicated Loan is one of the major financing solutions for enterprises in the international financial market. This thesis is intended to find the structural position of Syndicated Loan in the international financial environment first via background of the Syndicated Loan. Under such finding premise the structural position of Syndicated Loan in the international financial infrastructure, together with members and combination of a Syndicated Loan, will be substantially discussed. Then as a conclusion advantages and disadvantages between Syndicated Loan and other financing solutions will be compared. In Chapter 3 we will focus on the Syndicated Loan itself to discuss its birth, the role of each bank members in a Syndicated Loan in a chronicle way, process to conclude a Syndicated Loan, timesheet (program) of the financing, major documents of a Syndicated Loan and the revenue calculation for participants of a Syndicated Loan. In Chapter 4 certain contractual documents will be presented and enclosed. According to the contents of a Syndicated Loan certain analysis will be done subject to the substantial requirements of each articles thereof. In Chapter 5 legal risks of a Syndicated Loan will be discussed. 4 Anglo-American real cases regarding Syndicated Loan will be analyzed to clarify legal relationships between the participants, ground of claims and attitude of the Courts toward the Syndicated Loans. However, based on the Courts’ point of view, major opinion is intended to respect market self-discipline as a fundamental principle for these cases.