Bank pushes syndicated loan against loan risk in Shanghai

In the process of rapid credit expansion, the concentration risk of credit assets is becoming more and more prominent, the bank's new loans may appear industry concentration, customer concentration and the trend of medium and long term, syndicated loan has become an effective way to prevent the risk of concentration of loans. Since this year, the Shanghai syndicated loan figure frequently flashes in the public view.　　Data from the Shanghai Banking Regulatory Bureau showed that, as at the end of June, the bank syndicated loan balance in Shanghai was 155 billion yuan, an increase of 15 billion yuan from the beginning of the year, up nearly 25% per cent. The first half of the syndicated loan project in Shanghai included: Huangpu River crossing Facilities construction project, Shanghai Rail Transit line Line 11 South section Prophase project and Line 5 line Fengxian section of the early stage relocation project received 12 billion yuan, 1.448 billion yuan and 2 billion yuan syndicated loan　　, the total scale of 15 billion yuan in Shanghai Changxing Island Development and construction of syndicated loans dust settles; moon Star Global, Bayer Polyurethane and the Far East International leasing, such as a group of advanced manufacturing, services have also signed a syndicated loan agreement with the bank ...　　According to incomplete statistics, as at the end of June, the bank syndicated loans in Shanghai were 155 billion yuan, an increase of 15 billion yuan from the beginning of last year, an increase of 30.5 billion yuan, up nearly 25% year-on-year.　　The syndicated loan business scope expands gradually, the financing project involves the infrastructure, the transportation, the energy, the chemical industry, the papermaking, the electricity, the real estate and so on many professions, the service customer includes the large-scale state-owned enterprise, the multinational company, the government organization, the private enterprise and so on.　　Under the active advocacy of Shanghai Banking Regulatory Bureau, the Bank of Shanghai has taken various measures to expand its syndicated loan business, and to increase the support for Shanghai's economic construction. First, the establishment of a chapter of the legislative system, normative process. Under the supervision of regulatory agencies, Shanghai banking institutions strengthen syndicated loan system and process construction, standardize internal operation requirements. The management method of syndicated loan is formulated, and a set of internal operation processes such as syndicated business establishment, due diligence, assessment evaluation, underwriting Group, legal review, loan and syndicated loan (agent) management are defined. At the same time, the work flow of syndicated loan is optimized continuously to improve the efficiency of the Bank League and strengthen the management of syndicated loan business by standardizing and standardizing construction. In the risk management, in accordance with the "Commercial bank credit work due diligence guide" requirements, before the issuance of syndicated loans, research before the loan, and on the basis of the initial negotiations with the borrower, to discuss the purpose of the loan, amount, interest rate, period, form of guarantee, withdrawal conditions, repayment methods and related expenses; After the syndicated loan is issued, Follow up the progress of the project, find out the possible problems of syndicated loan in time, and do the data statistic and analysis of syndicated loan.　　Some banks also set up a syndicated information system platform to realize the statistical inquiries of syndicated loan balances, Jambi, asset quality, delivery, and syndicated business fees, and analyze the business data and risk classification of syndicated business. The second is to train talents and build teams. Specialized team is also one of the necessary guarantee for the steady and rapid development of syndicated loan business. The syndicated loan business is highly professional, complicated and technicalHigh content and so on, the banking industry in Shanghai has set up a syndicated business team, will be a group of professional high-quality, professional quality, focus on customer service specialization to enrich the team, professional focus on the syndicated loan business.　　And the use of the internal and external platform to carry out a variety of syndicated loan training, such as the release of syndicated business special reports, seminars, organized training, and so on, and constantly improve the business ability of staff at all levels, update the new concept of syndicated business, enhance the idea of innovative practice, improve the level of syndicated Third, the establishment of a rich syndicated product line, continuous innovation business model. After several years of active exploration, the banking industry in Shanghai has established a wealth of syndicated product lines and package solutions including refinancing loans, medium and long term loans, revolving loans and debt reserve loans, and has been actively exploring and experimenting with the financial participation and risk participation of the syndicated two-tier market. At the same time, the innovation of syndicated loan business model has been actively explored. If you try to trust + syndicated mode, some banks actively try to form a consortium with trust company, which comes from investor funds or bank financial funds. The loan term and repayment mode of the Trust company can be set flexibly according to the need, to meet the demand of the Trust program investor. Also, if some banks carry out indirect consortia, for example, if it is a bank exclusive loan, it is necessary to transfer loans to other banks, the transfer of credit assets is realized by means of indirect syndication.　　This approach has achieved the extension of bilateral loans to syndicated loans. Four is to actively explore the business mechanism innovation. Some banks set up a bank syndicated loan project Reserve, and regularly updated, according to the project backlog of the formation plan to the quarterly and operating units, planned to carry out work. For key projects, with syndicated loan responsible person tracking and providing services and guidance throughout, to ensure that the business plan is completed on schedule. Some banks closely follow the major infrastructure projects and major industrial projects of the two-level government in Shanghai, innovate the project reserve mechanism, implement a special list-type management for syndicated loan business, and update and feedback the project development process in a timely manner. (Yuanping)