ACCA考试Syndicated loan 银团贷款怎么理解？

ACCA考试要学员的课程有15门，学员需要通过13门课程的考试才能够拿到ACCA证书。ACCA课程的难度逐步升级，让学员掌握的知识点也不断的增长。ACCA考试Syndicated loan 银团贷款怎么理解？

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Syndicated loan 银团贷款原理是什么？

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.是指由一家或数家银行牵头,多家银行参与组成的银行集团，由两位或以上贷款人按相同的贷款条件、以不同的分工，共同向一家以上借款人提供贷款，并签署同一贷款协议的贷款业务.

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,*的优势是大笔贷款可以通过一家银行俣团）来处理，无需从多家银行申请不同的贷款。

It tends to be more flexible and can be tailored to the company' s specific needs它更加灵活，可以根据公司的具体需求定制。

2、disadvantage

The lead bank may require a higher interest rate to cover its risk of one of thesyndicate banks defaulting on the loam.牵头银行可能需要更高的利率来弥补其中一家（辛迪加）银行拖欠贷款的风险。

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