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为克服贷款集中、多头授信、信息不对称等痼疾,银行机构联合开展银团贷款以起到加强同业合作、分散信贷风险等作用。本文通过对困扰海西地区银团贷款业务发展问题的分析,提出银团贷款业务发展的相关建议。
In order to overcome such problems as concentration of loans, long-term credit extension and asymmetric information, syndicated bank loans are jointly launched by banking institutions to strengthen cooperation with other banks and diversify credit risks. This paper analyzes the problems plaguing the development of syndicated loan business in Haixi region and puts forward some suggestions on the development of syndicated loan business.