AFM知識點匯總—Syndicated loan 銀團貸款、Bond issue 發行公司債

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來源: 正保會計網校編輯：梨 2022/07/05 11:02:48　字體：大小

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Syndicated loan 銀團貸款

This type of loan involves a group of banks providing funds but without joint liability. There is normally a lead bank which then syndicates the loan to several other banks. 是指由一家或數家銀行牽頭，多家銀行參與組成的銀行集團，由兩位或以上貸款人按相同的貸款條件、以不同的分工，共同向一位或以上借款人? 供貸款，并簽署同一貸款協議的貸款業務。

優點：

1. The main advantage of a syndicated loan is tat lager loans can be arranged than though a single bank. This means that the company does not have to raise different loans from different banks. 的優勢是大筆貸款可以通過一家銀行（集團）來處理無需從多家銀行申請不同的貸款。

2. It tends to be more flexible and can be tailored to the company’s specific needs 它更加靈活，可以根據公司的具體需求定制。

缺點：

The lead bank may require a higher interest rate to cover its risk of one of hte syndicate banks defaulting on the loan. 牽頭銀行可能需要更高的利率來彌補其中一家（辛迪加）銀行拖欠貸款的風險。

Bond issue 發行公司債

優點：It may appear to be an attractive means of arising large amounts of capital for investment purposes.這是募集大量資金用于投資用途的一種有吸引力的方式。缺點：there are large issue costs involved and there is the risk that the issue will be under-subscribed.發行成本高，且有認購不足的風險。

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