內地將單家銀行擔任牽頭行時承貸份額和分銷份額下調至15%及30% 有利於銀團成團
國家金融監督管理總局對《銀團貸款業務指引》進行修訂,形成《銀團貸款業務管理辦法(徵求意見稿)》。《辦法》從籌組模式、分銷比例和二級市場轉讓等方面對商業銀行開展銀團貸款業務的要求進行優化。
從籌組模式來看,《指引》規定銀團貸款應基於相同條件,《辦法》則結合國際經驗和市場實踐,納入分組銀團模式,並對分組銀團的組別設置、代理行等提出明確要求,可以改變目前銀團模式較為單一的現狀,提升銀行進行銀團貸款業務的積極性。
從分銷比例來看,《辦法》依照兼顧效率和風險分散的原則,將單家銀行擔任牽頭行時承貸份額和分銷份額的原則下限分別由20%、 50%調整為15%、30%,有利於銀團成團。
從二級市場轉讓看,《辦法》允許銀行將銀團貸款以未償還的本金和利息整體按比例拆分的形式進行部分轉讓,能夠進一步活躍銀團貸款二級市場,釋放沉澱的信貸資源。
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