放眼全球金融经济市场,现今的主要融资方式为银团贷款,这种形式的业务优势明显、竞争力强、盈利能力显著,已逐渐成为商业银行业务内容的核心之一。本文就财务公司开展的银团贷款为研究对象,着重分析了国内银团贷款的必要性、现状和银团贷款与传统贷款方式相比较下的优势。 Looking at the global financial and economic markets, the main financing method nowadays is syndicated loans. This form of business has obvious advantages, strong competitiveness and significant profitability. It has gradually become one of the core contents of the commercial banking business. This article focuses on the syndicated loans carried out by financial companies, and analyzes the necessity, current situation and advantages of syndicated loans compared with traditional loans.