银团贷款是目前国际金融市场普遍采用的一种贷款方式,一般由两家或两家以上银行基于相同贷款条件,依据同一贷款协议,按约定时间和比例,通过代理行向借款人提供的贷款或授信业务。由于银团贷款具有额度大、期限长的特点,能够满足有巨额资金需求的大中型企业集团和重点建设项目的需要,且能够将借款人的违约风险分散到所有参与银行共同承担,其在分散风险、强化对借款人制约、降低企业融资成本等方面都 Syndicated loans are commonly used in international financial markets. Loans are usually provided by two or more banks under the same loan conditions, under the same loan agreement, at agreed time and proportion, through the agency to the borrower or Credit business. As the syndicated loan has the characteristics of large amount and long term, it can meet the needs of large and medium-sized enterprise groups and key construction projects with huge fund demand, and can disperse the default risk of the borrower to all the participating banks and share the risk of diversification , Strengthen the restrictions on borrowers, reduce corporate financing costs and so on