ACCA考試要學(xué)員的課程有15門(mén)，學(xué)員需要通過(guò)13門(mén)課程的考試才能夠拿到ACCA證書(shū)。ACCA課程的難度逐步升級(jí)，讓學(xué)員掌握的知識(shí)點(diǎn)也不斷的增長(zhǎng)。ACCA考試Syndicated loan 銀團(tuán)貸款怎么理解？

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Syndicated loan 銀團(tuán)貸款原理是什么？

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(shù)家銀行牽頭,多家銀行參與組成的銀行集團(tuán)，由兩位或以上貸款人按相同的貸款條件、以不同的分工，共同向一家以上借款人提供貸款，并簽署同一貸款協(xié)議的貸款業(yè)務(wù).

1、advantage

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 raisedifferent loans from different banks,*的優(yōu)勢(shì)是大筆貸款可以通過(guò)一家銀行俁團(tuán)）來(lái)處理，無(wú)需從多家銀行申請(qǐng)不同的貸款。

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(jù)公司的具體需求定制。

2、disadvantage

The lead bank may require a higher interest rate to cover its risk of one of thesyndicate banks defaulting on the loam.牽頭銀行可能需要更高的利率來(lái)彌補(bǔ)其中一家（辛迪加）銀行拖欠貸款的風(fēng)險(xiǎn)。

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