{"id":1340,"date":"2019-12-09T13:15:12","date_gmt":"2019-12-09T05:15:12","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=1340"},"modified":"2020-11-16T11:46:42","modified_gmt":"2020-11-16T03:46:42","slug":"%e6%b7%ba%e8%ab%87%e4%bc%81%e6%a5%ad%e9%8a%80%e8%a1%8c%e6%9c%8d%e5%8b%99%ef%bc%883%ef%bc%89-%e9%95%b7%e6%9c%9f%e8%b2%b8%e6%ac%be","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2019\/12\/09\/%e6%b7%ba%e8%ab%87%e4%bc%81%e6%a5%ad%e9%8a%80%e8%a1%8c%e6%9c%8d%e5%8b%99%ef%bc%883%ef%bc%89-%e9%95%b7%e6%9c%9f%e8%b2%b8%e6%ac%be\/","title":{"rendered":"\u6dfa\u8ac7\u4f01\u696d\u9280\u884c\u670d\u52d9\uff083\uff09\u2014\u9577\u671f\u8cb8\u6b3e"},"content":{"rendered":"\n<p>\u5728\u8f03\u65e9\u524d\u7684\u6587\u7ae0\uff0c\u6211\u5011\u8a0e\u8ad6\u904e\u4f01\u696d\u9280\u884c\u4e2d<a href=\"https:\/\/www.finmonster.com\/blog\/2019\/07\/18\/%e6%b7%ba%e8%ab%87%e4%bc%81%e6%a5%ad%e9%8a%80%e8%a1%8c%e6%9c%8d%e5%8b%99%ef%bc%88%ef%bc%92%ef%bc%89-%e6%b5%81%e5%8b%95%e8%b2%b8%e6%ac%be\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u6d41\u52d5\u8cb8\u6b3e(Working Capital Loan) (opens in a new tab)\">\u6d41\u52d5\u8cb8\u6b3e(Working Capital Loan)<\/a>\u548c<a rel=\"noreferrer noopener\" aria-label=\"\u8cbf\u6613\u878d\u8cc7(Trade Finance) (opens in a new tab)\" href=\"https:\/\/www.finmonster.com\/blog\/2019\/06\/18\/%e6%b7%ba%e8%ab%87%e4%bc%81%e6%a5%ad%e9%8a%80%e8%a1%8c%e6%9c%8d%e5%8b%99\/\" target=\"_blank\">\u8cbf\u6613\u878d\u8cc7(Trade Finance)<\/a>\uff0c\u90fd\u662f\u4e2d\u5c0f\u4f01\u696d\u5e38\u898b\u7684\u8cb8\u6b3e\u54c1\u7a2e\u3002\u5c0d\u65bc\u8f03\u70ba\u6210\u719f\u7684\u4f01\u696d\u751a\u81f3\u6295\u8cc7\u8ca1\u5718\uff0c\u66f4\u591a\u6642\u5019\u6703\u61c9\u7528\u5230\u9577\u671f\u8cb8\u6b3e(Term Loan)\uff0c\u4ee5\u4f5c\u8cc7\u672c\u958b\u652f\u3001\u5728\u878d\u8cc7\u751a\u81f3\u662f\u4f75\u8cfc\u3002<\/p>\n\n\n\n<h3>\u96d9\u908a\u8cb8\u6b3e (Bilateral) vs. \u9280\u5718 (Syndication)<\/h3>\n\n\n\n<p>\u4e00\u822c\u4f86\u8aaa\uff0c\u96d9\u908a\u8cb8\u6b3e\u95dc\u4fc2\u662f\u4e00\u5bb6\u9280\u884c\u5c0d\u4e00\u5bb6\u4f01\u696d\u3002\u8003\u616e\u5230\u9577\u671f\u8cb8\u6b3e\u4e00\u822c\u91d1\u984d\u8f03\u5927\uff0c\u6709\u4e9b\u9280\u884c\u50be\u5411\u548c\u5176\u4ed6\u9280\u884c\u4e00\u540c\u4ee5\u4ff1\u6a02\u90e8(Club Financing)\u548c\u9280\u5718(Syndication)\u5f62\u5f0f\u5408\u4f5c\u3002\u4ff1\u6a02\u90e8\u6216\u7a31\u5c0f\u9280\u5718\uff0c\u901a\u5e38\u662f\u7531\u8207\u4f01\u696d\u6709\u904e\u5f80\u8cb8\u6b3e\u95dc\u4fc2\u7684\u9280\u884c\u7d44\u6210\uff1b\u800c\u9280\u5718\u5247\u7531\u66f4\u591a\u4f86\u81ea\u672c\u5730\u3001\u5340\u57df\u6027\u751a\u81f3\u4e16\u754c\u6027\u9280\u884c\u53c3\u52a0\uff0c\u4e26\u4ee5\u53c3\u8cb8\u91d1\u984d\u5927\u5c0f\u8d0f\u5f97\u4e0d\u540c\u982d\u929c\uff0c\u5982\u8cb8\u6b3e\u884c(Arranger)\u3001\u727d\u982d\u884c\u53ca\u7c3f\u8a18\u884c(Mandated Lead Arranger &amp; Bookrunner, MLAB)\u7b49\u3002MLAB\u4e00\u822c\u9700\u8981\u5354\u8abf\u6574\u500b\u878d\u8cc7\uff0c\u5305\u62ec\u8cb8\u6b3e\u6587\u4ef6\u3001\u71df\u92b7\u8cb8\u6b3e\u548c\u8cc7\u6599\u5099\u5fd8\u9304(Information Memorandum)\u7b49\u3002\u96d6\u7136\u4ff1\u6a02\u90e8\u6216\u9280\u5718\u4e26\u6c92\u6709\u6700\u4f4e\u8cb8\u6b3e\u8981\u6c42\uff0c\u4e0d\u904e\u56e0\u70ba\u6210\u672c\u554f\u984c\uff0c\u4e00\u822c\u4ff1\u6a02\u90e8\u548c\u9280\u5718\u8cb8\u6b3e\u6700\u5c11\u70ba\u7f8e\u5143\u4e94\u5343\u842c\u6216\u4e00\u5104\u5143\u3002\u653e\u8cb8\u5f8c\u4f01\u696d\u8207\u53c3\u8cb8\u884c\u4e4b\u9593\u7684\u6e9d\u901a\uff0c\u5c07\u6703\u7531\u4ee3\u7406\u884c(Agent)\u8ca0\u8cac\u7d71\u7c4c\u3002<\/p>\n\n\n\n<h3><br>\u7fa9\u52d9\u4eba (Obligors)<\/h3>\n\n\n\n<p>\u501f\u6b3e\u4eba(Borrower)\u53ef\u4ee5\u662f\u71df\u904b\u516c\u53f8\u6216\u70ba\u4e86\u67d0\u878d\u8cc7\u6216\u4f75\u8cfc\u9805\u76ee\u7684\u7279\u6b8a\u76ee\u7684\u516c\u53f8(Special Purpose Vehicle, SPV)\u3002\u8003\u616e\u5230\u4e0d\u540c\u60c5\u6cc1\uff0c\u5176\u4ed6\u71df\u904b\u516c\u53f8\u3001\u4e0a\u5e02\u516c\u53f8\u6216\u6bcd\u516c\u53f8\u5c07\u6703\u63d0\u4f9b\u64d4\u4fdd(Guarantee)\u3001\u7dad\u597d\u5354\u8b70(Keep-well Deed)\u6216\u5b89\u6170\u51fd(Letter of Comfort)\u4f5c\u70ba\u589e\u4fe1\u63aa\u65bd\u3002\u4e0d\u540c\u65bc\u64d4\u4fdd\uff0c\u7dad\u597d\u5354\u8b70\u662f\u4e00\u9805\u627f\u8afe(Undertaking)\uff0c\u53ef\u4ee5\u900f\u904e\u6ce8\u8cc7\u6216\u5099\u7528\u4fe1\u8cb8\uff0c\u78ba\u4fdd\u501f\u6b3e\u4eba\u6709\u8db3\u5920\u6d41\u52d5\u6027\u4ee5\u652f\u6301\u9084\u6b3e\u3002\u7dad\u597d\u5354\u8b70\u591a\u767c\u751f\u5728\u4e2d\u570b\u4f01\u696d\u7684\u5883\u5916\u8cb8\u6b3e\uff0c\u4ee5\u61c9\u5c0d\u8de8\u5883\u64d4\u4fdd\u7684\u6cd5\u898f\u554f\u984c\u3002\u6240\u6709\u7684\u501f\u6b3e\u4eba\u3001\u64d4\u4fdd\u4eba\u548c\u7dad\u597d\u63d0\u4f9b\u4eba\u5728\u8cb8\u6b3e\u4e2d\u7d71\u7a31\u7fa9\u52d9\u4eba\u3002<\/p>\n\n\n\n<h3>\u8cb8\u6b3e\u5e74\u671f\u548c\u9084\u6b3e\u5b89\u6392 (Tenor &amp; Repayment)<\/h3>\n\n\n\n<p>\u6700\u5e38\u898b\u7684\u662f3\u5e74\u671f\uff0c\u5bec\u9650\u671f12\u523018\u500b\u6708\u5f8c\u958b\u59cb\u5206\u671f\u9084\u6b3e\u3002\u5118\u7ba1\u5982\u6b64\uff0c\u7531\u65bc\u9280\u884c\u4e4b\u9593\u7af6\u722d\u6fc0\u70c8\uff0c\u6709\u6642\u5019\u512a\u8cea\u4f01\u696d\u53ef\u4ee5\u722d\u53d6\u5230\u4e00\u6b21\u6027\u9084\u672c(Bullet)\u6216\u8005\u56db\u5230\u4e94\u5e74\u671f\u7684\u9577\u671f\u8cb8\u6b3e\u3002\u52a0\u6b0a\u5e73\u5747\u671f\u9650(Average Loan Life)\u662f\u6b0a\u8861\u91cf\u5ea6\u8cb8\u6b3e\u5e74\u671f\uff0c\u8a08\u7b97\u5728\u6700\u7d42\u5230\u671f\u65e5\u524d\uff0c\u5171\u6709\u591a\u5c11\u5206\u671f\u9084\u6b3e\u3002\u4ee5\u5178\u578b\u4e09\u5e74\u671f\u8cb8\u6b3e\uff0c\u7531\u7b2c18\u6708\u671f\u6bcf\u516d\u500b\u6708\u9084\u8cb8\u521d\u59cb\u91d1\u984d20%\uff0c\u6700\u7d42\u5230\u671f\u65e5\u9084\u6b3e\u9918\u984d40%\uff0c\u52a0\u6b0a\u5e73\u5747\u671f\u9650\u5c31\u662f2.4\u5e74^\u3002\u9280\u884c\u4e00\u822c\u5e0c\u671b\u5728\u6700\u7d42\u5230\u671f\u65e5\u524d\u6709\u66f4\u591a\u9084\u6b3e\uff0c\u4ee5\u6e1b\u5c11\u5927\u984d\u5c3e\u4ed8(Balloon Payment\uff0c\u5373\u6700\u7d42\u9084\u6b3e\u65e5\u7684\u9084\u6b3e)\u7684\u518d\u878d\u8cc7\u98a8\u96aa\u3002<\/p>\n\n\n\n<p>^ 0.2&#215;18+0.2&#215;24+0.2&#215;30+0.4&#215;36 = 28.8\u6708\u6216 2.4\u5e74<\/p>\n\n\n\n<h3>\u5b9a\u50f9 (Pricing)<\/h3>\n\n\n\n<p>\u5b9a\u50f9\u901a\u5e38\u662f\u5b89\u6392\u8cbb\u52a0\u4e0a\u5229\u606f\u3002\u50b3\u7d71\u4e0a\u5229\u606f\u662f\u4ee5\u6d6e\u606f\u8a08\u7b97\uff0c\u5982\u679c\u662f\u7f8e\u5143\u8cb8\u6b3e\uff0c\u5373\u502b\u6566\u540c\u696d\u62c6\u606f(LIBOR)\u52a0\u5229\u5dee\u3002\u4f5c\u70ba\u6bd4\u8f03\u6a19\u6e96\uff0c\u7e3d\u6210\u672c\u4e00\u822c\u662f\u4ee5\u7e3d\u8cbb\u7387(All-in)\u8a08\u7b97\uff0c\u5373\u5229\u5dee(Margin)\u52a0\u4e0a\u5e74\u8cbb\u7387(\u5b89\u6392\u8cbb\u7387\u9664\u4ee5\u52a0\u6b0a\u5e73\u5747\u671f\u9650)\u3002\u56e0\u70ba\u662f\u6d6e\u52d5\u5229\u606f\uff0c\u5229\u606f\u671f\u5e38\u70ba1\u30013\u30016\u500b\u6708\uff0c\u7531\u501f\u6b3e\u4eba\u9078\u64c7\u3002\u70ba\u78ba\u4fdd\u6e96\u6642\u4ed8\u606f\uff0c\u511f\u8cb8\u6e96\u5099\u91d1\u8cec\u6236(Interest Reserve Account, IRA)\u6703\u5728\u4ee3\u7406\u884c\u8a2d\u7acb\uff0c\u6216\u4f5c\u70ba\u62b5\u62bc\u54c1\u4ee5\u8986\u84cb\u77ed\u671f\u8cb8\u6b3e\u5229\u606f\u3002\u5982\u679c\u64d4\u5fc3\u5229\u606f\u6216\u8ca8\u5e63\u8b8a\u52d5\u98a8\u96aa\uff0c\u5229\u7387\u6216\u4ea4\u53c9\u8ca8\u5e63\u6389\u671f\u5408\u540c(Cross Currency Swap, CCS)\u53ef\u4ee5\u9644\u5e36\u4f5c\u70ba\u98a8\u96aa\u63a7\u5236\u3002<\/p>\n\n\n\n<h3>\u627f\u8afe\u8cb8\u6b3e (Committed Loan)<\/h3>\n\n\n\n<p>\u8207\u77ed\u671f\u8cb8\u6b3e\u4e0d\u540c\uff0c\u9577\u671f\u8cb8\u6b3e\u662f\u627f\u8afe\u8cb8\u6b3e\uff0c\u9280\u884c\u4e0d\u53ef\u4ee5\u55ae\u65b9\u9762\u6539\u8b8a\u689d\u6b3e\u8981\u6c42\u63d0\u524d\u9084\u6b3e\uff0c\u9664\u975e\u89f8\u767c\u67d0\u4e9b\u63d0\u524d\u9084\u6b3e(Prepayment)\u6216\u9055\u7d04\u4e8b\u4ef6(Event of Default)\u3002\u4f8b\u5982\uff0c\u501f\u6b3e\u4eba\u5982\u679c\u80a1\u6b0a\u8b8a\u66f4(Change of Control)\u6216\u8b8a\u8ce3\u4e3b\u8981\u696d\u52d9\u6216\u8cc7\u7522(Disposal)\uff0c\u4e00\u822c\u9700\u8981\u5168\u6578\u9084\u6e05\u8cb8\u6b3e\u3002\u9019\u662f\u56e0\u70ba\u516c\u53f8\u57fa\u672c\u9762\u5df2\u7d93\u53ef\u80fd\u767c\u751f\u91cd\u5927\u6539\u8b8a\uff0c\u904e\u5f80\u8cb8\u6b3e\u689d\u4ef6\u6216\u5df2\u4e0d\u518d\u9069\u7528\u3002\u9664\u4e86\u5728\u672a\u80fd\u9084\u606f\u9084\u8cb8\u5916\uff0c\u5728\u8cb8\u6b3e\u671f\u4e00\u822c\u6703\u6709\u4e0d\u540c\u7684\u8cb8\u6b3e\u627f\u8afe\u689d\u6b3e(Undertaking)\u53ca\u8ca1\u52d9\u627f\u8afe(Financial Covenant)\u4ee5\u76e3\u63a7\u516c\u53f8\u60c5\u6cc1\uff0c\u4e26\u53ef\u80fd\u89f8\u767c\u9055\u7d04\uff0c\u4f8b\u5982\u627f\u8afe\u5b9a\u671f\u63d0\u4f9b\u8ca1\u52d9\u5831\u8868\u3001\u5408\u898f\u8b49\u660e\u66f8(Compliance Certificate)\u3001\u69d3\u687f\u6bd4\u7387\u3001\u8cc7\u7522\u6bd4\u7387\u7b49\u3002\u5982\u679c\u672a\u80fd\u6eff\u8db3(Breach)\uff0c\u6709\u9700\u8981\u5411\u9280\u5718\u5927\u591a\u6578\u9280\u884c(Majority Lenders)\u8981\u6c42\u4e00\u6b21\u6027\u8c41\u514d(Waiver)\u6216\u4fee\u6539(Amendment)\u8cb8\u6b3e\u689d\u6b3e\u3002\u7136\u800c\uff0c\u6bcf\u500b\u500b\u6848\u60c5\u6cc1\u5747\u6709\u4e0d\u540c\uff0c\u9280\u884c\u4e5f\u6703\u500b\u5225\u8003\u91cf\u3002\u56e0\u6b64\uff0c\u8cb8\u6b3e\u689d\u4ef6\u7684\u6572\u5b9a\u662f\u975e\u5e38\u91cd\u8981\uff0c\u4ee5\u5e73\u8861\u8db3\u5920\u4fe1\u8cb8\u76e3\u63a7\u548c\u7de9\u885d\u3002<\/p>\n\n\n\n<h3>\u4f01\u696d\u501f\u8cb8\u7684\u672a\u4f86<\/h3>\n\n\n\n<p>\u50b3\u7d71\u4e0a\uff0c\u8cb8\u6b3e\u689d\u6b3e\u7531\u9280\u884c\u5be9\u6279\u524d\u4ee5\u610f\u5411\u689d\u4ef6\u6982\u8981(Term Sheet)\u6216\u5be9\u6279\u5f8c\u4ee5\u8cb8\u6b3e\u5408\u540c(Facility Agreement)\u5b9a\u660e\u3002\u5927\u91cf\u7d19\u8cea\u4fe1\u8cb8\u8cc7\u6599\u5305\u62ec\u8a8d\u8b58\u4f60\u7684\u5ba2\u6236(KYC)\u3001\u8ca1\u52d9\u3001\u5546\u696d\u4fe1\u606f\u7b49\u5747\u9700\u63d0\u4ea4\u4e88\u9280\u884c\u4f5c\u8003\u91cf\uff0c\u6700\u7d42\u5be9\u6279\u5f8c\u4ee5\u7d19\u8cea\u8cb8\u6b3e\u5408\u540c\u7c3d\u7f72\u3002\u9019\u500b\u904e\u7a0b\u53ef\u4ee5\u9577\u9054\u5169\u4e09\u500b\u6708\u3002\u7136\u800c\uff0c\u900f\u904e\u91d1\u878d\u79d1\u6280\u5e73\u53f0\uff0c\u501f\u6b3e\u4eba\u53c8\u53ef\u5426\u5b9a\u5236\u5408\u9069\u8cb8\u6b3e\u689d\u4ef6\u3001\u5b89\u5168\u6709\u6548\u7387\u5730\u767c\u653e\u4fe1\u8cb8\u8cc7\u6599\u7d66\u9280\u884c\u53c2\u8cb8\u3001\u4e26\u4ee5\u667a\u80fd\u5408\u7d04(Smart Agreement)\u7c3d\u7f72\u8cb8\u6b3e\u6587\u4ef6\uff1f\u9019\u6b63\u662f\u672a\u4f86\u4f01\u696d\u9280\u884c\u7684\u6578\u78bc\u5316\u8da8\u52e2\u3002\u900f\u904e\u5340\u584a\u93c8(Blockchain)\u5185\u7684\u5206\u6563\u5f0f\u8a18\u8cec\u6280\u8853(Distributed Ledger Technology, DLT)\uff0c\u53ef\u4ee5\u63d0\u9ad8\u6574\u500b\u4f01\u696d\u8cb8\u6b3e\u6d41\u7a0b\u7684\u6548\u7387\u3002\u9280\u884c\u56e0\u6b64\u4ea6\u53ef\u4ee5\u5c08\u6ce8\u65bc\u4fe1\u8cb8\u98a8\u96aa\u548c\u8cc7\u7522\u8ca0\u50b5\u8868\u7ba1\u7406\u3002\u6211\u5011\u5c07\u6703\u5206\u4eab\u66f4\u591a\u3002\u8acb\u7e7c\u7e8c\u7559\u610f <a href=\"https:\/\/www.finmonster.com\">FinMonster<\/a> \u7684\u6587\u7ae0\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>FinMonster 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