【微头条】国家金融监督管理总局发布《商业银行并购贷款管理办法》

Core Viewpoint - The Financial Regulatory Bureau has revised the "Guidelines for Risk Management of Mergers and Acquisitions Loans by Commercial Banks" to form the "Management Measures for Mergers and Acquisitions Loans by Commercial Banks," aiming to enhance the support for mergers and acquisitions in the context of modern industrial system construction and new productivity development [1][2] Summary by Sections Expansion of Loan Scope - The revised measures broaden the applicable scope of mergers and acquisitions loans to include certain conditions for equity acquisitions in addition to controlling acquisitions [1][2] Differentiated Qualification Requirements - The measures establish differentiated operational qualification requirements for commercial banks engaging in controlling and equity acquisition loans, based on good regulatory ratings and compliance with key prudential regulatory indicators [1][2] Optimization of Loan Conditions - The measures increase the upper limit of the proportion of mergers and acquisitions loans to the transaction price and extend the maximum loan term to better meet reasonable financing needs of enterprises [1][2] Emphasis on Debt Repayment Capacity Assessment - Banks are required to assess the debt repayment capacity of the acquirer while considering the risks associated with the acquisition, focusing on the future development prospects, synergy effects, and operational efficiency of the post-acquisition entity [1][2] Implementation Guidance - The Financial Regulatory Bureau will guide commercial banks in implementing the new measures to promote the healthy development of mergers and acquisitions loan business, supporting industrial transformation and enhancing economic growth momentum [1][2]