随着中国经济的快速发展,企业对融资的需求日益增长。银团贷款作为一种在一定条件下比股票、债券等其他融资工具更为高效的融资方式,已经成为支持国民经济重大项目建设的重要方式和有效缓解银行风险集中度问题的重要手段。同时,银团贷款的可转让属性也使得银团的重组成为可能,有利于银行资产管理和流动性管理。近年来,我国银团 With the rapid development of China’s economy, the demand for financing by enterprises has been growing. As a more efficient financing method under certain conditions than other financing instruments such as stocks and bonds, syndicated loans have become an important way to support the construction of major projects in the national economy and an important means to effectively alleviate the risk concentration of banks. At the same time, the transferable nature of syndicated loans also makes possible the restructuring of syndicates and is conducive to the management of bank assets and liquidity. In recent years, China’s syndicate