一般说来,独家商业银行的法定放款限额是不能超过的,否则属于违法行为。如果商业银行认为一项超过法定限额的贷款时有利可图的,那么可以通过银团贷款的方式结局。国际银团贷款在第二次世界大战后期成为一项重要的融资技术。随着经济全球化的加速,国际贸易融资的范围和方式有了重大的变化,相应产生的法律问题也越来越受到关注。 In general, the exclusive commercial bank’s statutory lending limit can not be exceeded, otherwise it is illegal. If a commercial bank considers it profitable to make a loan above a legal limit, it can end up in a syndicated loan. International syndications loans became an important financing technique during the second part of World War II. With the acceleration of economic globalization, the scope and methods of international trade finance have undergone major changes, and the corresponding legal issues have also drawn increasing attention.