{"id":1345,"date":"2019-12-09T13:24:07","date_gmt":"2019-12-09T05:24:07","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=1345"},"modified":"2020-02-12T18:10:16","modified_gmt":"2020-02-12T10:10:16","slug":"%e6%b5%85%e8%b0%88%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%9c%8d%e5%8a%a1%ef%bc%883%ef%bc%89-%e9%95%bf%e6%9c%9f%e8%b4%b7%e6%ac%be","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2019\/12\/09\/%e6%b5%85%e8%b0%88%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%9c%8d%e5%8a%a1%ef%bc%883%ef%bc%89-%e9%95%bf%e6%9c%9f%e8%b4%b7%e6%ac%be\/","title":{"rendered":"\u6d45\u8c08\u4f01\u4e1a\u94f6\u884c\u670d\u52a1\uff083\uff09\u2014\u957f\u671f\u8d37\u6b3e"},"content":{"rendered":"\n<p>\u5728\u8f83\u65e9\u524d\u7684\u6587\u7ae0\uff0c\u6211\u4eec\u8ba8\u8bba\u8fc7\u4f01\u4e1a\u94f6\u884c\u4e2d<a href=\"https:\/\/www.finmonster.com\/blog\/2019\/07\/18\/%e6%b5%85%e8%b0%88%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%9c%8d%e5%8a%a1%ef%bc%88%ef%bc%92%ef%bc%89-%e6%b5%81%e5%8a%a8%e8%b4%b7%e6%ac%be\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u6d41\u52a8\u8d37\u6b3e(Working Capital Loan) (opens in a new tab)\">\u6d41\u52a8\u8d37\u6b3e(Working Capital Loan)<\/a>\u548c<a rel=\"noreferrer noopener\" aria-label=\"\u8d38\u6613\u878d\u8d44(Trade Finance) (opens in a new tab)\" href=\"https:\/\/www.finmonster.com\/blog\/2019\/06\/18\/%e6%b5%85%e8%b0%88%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%9c%8d%e5%8a%a1\/\" target=\"_blank\">\u8d38\u6613\u878d\u8d44(Trade Finance)<\/a>\uff0c\u90fd\u662f\u4e2d\u5c0f\u4f01\u4e1a\u5e38\u89c1\u7684\u8d37\u6b3e\u54c1\u79cd\u3002\u5bf9\u4e8e\u8f83\u4e3a\u6210\u719f\u7684\u4f01\u4e1a\u751a\u81f3\u6295\u8d44\u8d22\u56e2\uff0c\u66f4\u591a\u65f6\u5019\u4f1a\u5e94\u7528\u5230\u957f\u671f\u8d37\u6b3e(Term Loan)\uff0c\u4ee5\u4f5c\u8d44\u672c\u5f00\u652f\u3001\u5728\u878d\u8d44\u751a\u81f3\u662f\u5e76\u8d2d\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3>\u53cc\u8fb9\u8d37\u6b3e (Bilateral) vs. \u94f6\u56e2 (Syndication)<\/h3>\n\n\n\n<p>\u4e00\u822c\u6765\u8bf4\uff0c\u53cc\u8fb9\u8d37\u6b3e\u5173\u7cfb\u662f\u4e00\u5bb6\u94f6\u884c\u5bf9\u4e00\u5bb6\u4f01\u4e1a\u3002\u8003\u8651\u5230\u957f\u671f\u8d37\u6b3e\u4e00\u822c\u91d1\u989d\u8f83\u5927\uff0c\u6709\u4e9b\u94f6\u884c\u503e\u5411\u548c\u5176\u4ed6\u94f6\u884c\u4e00\u540c\u4ee5\u4ff1\u4e50\u90e8(Club Financing)\u548c\u94f6\u56e2(Syndication)\u5f62\u5f0f\u5408\u4f5c\u3002\u4ff1\u4e50\u90e8\u6216\u79f0\u5c0f\u94f6\u56e2\uff0c\u901a\u5e38\u662f\u7531\u4e0e\u4f01\u4e1a\u6709\u8fc7\u5f80\u8d37\u6b3e\u5173\u7cfb\u7684\u94f6\u884c\u7ec4\u6210\uff1b\u800c\u94f6\u56e2\u5219\u7531\u66f4\u591a\u6765\u81ea\u672c\u5730\u3001\u533a\u57df\u6027\u751a\u81f3\u4e16\u754c\u6027\u94f6\u884c\u53c2\u52a0\uff0c\u5e76\u4ee5\u53c2\u8d37\u91d1\u989d\u5927\u5c0f\u8d62\u5f97\u4e0d\u540c\u5934\u8854\uff0c\u5982\u8d37\u6b3e\u884c( Arranger)\u3001\u7275\u5934\u884c\u53ca\u7c3f\u8bb0\u884c(Mandated Lead Arranger &amp; Bookrunner, MLAB)\u7b49\u3002 MLAB\u4e00\u822c\u9700\u8981\u534f\u8c03\u6574\u4e2a\u878d\u8d44\uff0c\u5305\u62ec\u8d37\u6b3e\u6587\u4ef6\u3001\u8425\u9500\u8d37\u6b3e\u548c\u8d44\u6599\u5907\u5fd8\u5f55(Information Memorandum)\u7b49\u3002\u867d\u7136\u4ff1\u4e50\u90e8\u6216\u94f6\u56e2\u5e76\u6ca1\u6709\u6700\u4f4e\u8d37\u6b3e\u8981\u6c42\uff0c\u4e0d\u8fc7\u56e0\u4e3a\u6210\u672c\u95ee\u9898\uff0c\u4e00\u822c\u4ff1\u4e50\u90e8\u548c\u94f6\u56e2\u8d37\u6b3e\u6700\u5c11\u4e3a\u7f8e\u5143\u4e94\u5343\u4e07\u6216\u4e00\u4ebf\u5143\u3002\u653e\u8d37\u540e\u4f01\u4e1a\u4e0e\u53c2\u8d37\u884c\u4e4b\u95f4\u7684\u6c9f\u901a\uff0c\u5c06\u4f1a\u7531\u4ee3\u7406\u884c(Agent)\u8d1f\u8d23\u7edf\u7b79\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3>\u4e49\u52a1\u4eba (Obligors)<\/h3>\n\n\n\n<p>\u501f\u6b3e\u4eba(Borrower)\u53ef\u4ee5\u662f\u8425\u8fd0\u516c\u53f8\u6216\u4e3a\u4e86\u67d0\u878d\u8d44\u6216\u5e76\u8d2d\u9879\u76ee\u7684\u7279\u6b8a\u76ee\u7684\u516c\u53f8(Special Purpose Vehicle, SPV)\u3002\u8003\u8651\u5230\u4e0d\u540c\u60c5\u51b5\uff0c\u5176\u4ed6\u8425\u8fd0\u516c\u53f8\u3001\u4e0a\u5e02\u516c\u53f8\u6216\u6bcd\u516c\u53f8\u5c06\u4f1a\u63d0\u4f9b\u62c5\u4fdd(Guarantee)\u3001\u7ef4\u597d\u534f\u8bae(Keep-well Deed)\u6216\u5b89\u6170\u51fd(Letter of Comfort)\u4f5c\u4e3a\u589e\u4fe1\u63aa\u65bd\u3002\u4e0d\u540c\u4e8e\u62c5\u4fdd\uff0c\u7ef4\u597d\u534f\u8bae\u662f\u4e00\u9879\u627f\u8bfa(Undertaking)\uff0c\u53ef\u4ee5\u900f\u8fc7\u6ce8\u8d44\u6216\u5907\u7528\u4fe1\u8d37\uff0c\u786e\u4fdd\u501f\u6b3e\u4eba\u6709\u8db3\u591f\u6d41\u52a8\u6027\u4ee5\u652f\u6301\u8fd8\u6b3e\u3002\u7ef4\u597d\u534f\u8bae\u591a\u53d1\u751f\u5728\u4e2d\u56fd\u4f01\u4e1a\u7684\u5883\u5916\u8d37\u6b3e\uff0c\u4ee5\u5e94\u5bf9\u8de8\u5883\u62c5\u4fdd\u7684\u6cd5\u89c4\u95ee\u9898\u3002\u6240\u6709\u7684\u501f\u6b3e\u4eba\u3001\u62c5\u4fdd\u4eba\u548c\u7ef4\u597d\u63d0\u4f9b\u4eba\u5728\u8d37\u6b3e\u4e2d\u7edf\u79f0\u4e49\u52a1\u4eba\u3002<\/p>\n\n\n\n<h3>\u8d37\u6b3e\u5e74\u671f\u548c\u8fd8\u6b3e\u5b89\u6392 (Tenor &amp; Repayment)<\/h3>\n\n\n\n<p>\u6700\u5e38\u89c1\u7684\u662f3\u5e74\u671f\uff0c\u5bbd\u9650\u671f12\u523018\u4e2a\u6708\u540e\u5f00\u59cb\u5206\u671f\u8fd8\u6b3e\u3002\u5c3d\u7ba1\u5982\u6b64\uff0c\u7531\u4e8e\u94f6\u884c\u4e4b\u95f4\u7ade\u4e89\u6fc0\u70c8\uff0c\u6709\u65f6\u5019\u4f18\u8d28\u4f01\u4e1a\u53ef\u4ee5\u4e89\u53d6\u5230\u4e00\u6b21\u6027\u8fd8\u672c(Bullet)\u6216\u8005\u56db\u5230\u4e94\u5e74\u671f\u7684\u957f\u671f\u8d37\u6b3e\u3002\u52a0\u6743\u5e73\u5747\u671f\u9650(Average Loan Life)\u662f\u6743\u8861\u91cf\u5ea6\u8d37\u6b3e\u5e74\u671f\uff0c\u8ba1\u7b97\u5728\u6700\u7ec8\u5230\u671f\u65e5\u524d\uff0c\u5171\u6709\u591a\u5c11\u5206\u671f\u8fd8\u6b3e\u3002\u4ee5\u5178\u578b\u4e09\u5e74\u671f\u8d37\u6b3e\uff0c\u7531\u7b2c18\u6708\u671f\u6bcf\u516d\u4e2a\u6708\u8fd8\u8d37\u521d\u59cb\u91d1\u989d20%\uff0c\u6700\u7ec8\u5230\u671f\u65e5\u8fd8\u6b3e\u4f59\u989d40%\uff0c\u52a0\u6743\u5e73\u5747\u671f\u9650\u5c31\u662f2.4\u5e74^\u3002\u94f6\u884c\u4e00\u822c\u5e0c\u671b\u5728\u6700\u7ec8\u5230\u671f\u65e5\u524d\u6709\u66f4\u591a\u8fd8\u6b3e\uff0c\u4ee5\u51cf\u5c11\u5927\u989d\u5c3e\u4ed8(Balloon Payment\uff0c\u5373\u6700\u7ec8\u8fd8\u6b3e\u65e5\u7684\u8fd8\u6b3e)\u7684\u518d\u878d\u8d44\u98ce\u9669\u3002<\/p>\n\n\n\n<p> ^ 0.2\u00d718+0.2\u00d724+0.2\u00d730+0.4\u00d736 = 28.8 \u6708\u6216 2.4 \u5e74 <\/p>\n\n\n\n<h3>\u5b9a\u4ef7 (Pricing)<\/h3>\n\n\n\n<p>\u5b9a\u4ef7\u901a\u5e38\u662f\u5b89\u6392\u8d39\u52a0\u4e0a\u5229\u606f\u3002\u4f20\u7edf\u4e0a\u5229\u606f\u662f\u4ee5\u6d6e\u606f\u8ba1\u7b97\uff0c\u5982\u679c\u662f\u7f8e\u5143\u8d37\u6b3e\uff0c\u5373\u4f26\u6566\u540c\u4e1a\u62c6\u606f(LIBOR)\u52a0\u5229\u5dee\u3002\u4f5c\u4e3a\u6bd4\u8f83\u6807\u51c6\uff0c\u603b\u6210\u672c\u4e00\u822c\u662f\u4ee5\u603b\u8d39\u7387(All-in)\u8ba1\u7b97\uff0c\u5373\u5229\u5dee(Margin)\u52a0\u4e0a\u5e74\u8d39\u7387(\u5b89\u6392\u8d39\u7387\u9664\u4ee5\u52a0\u6743\u5e73\u5747\u671f\u9650)\u3002\u56e0\u4e3a\u662f\u6d6e\u52a8\u5229\u606f\uff0c\u5229\u606f\u671f\u5e38\u4e3a1\u30013\u30016\u4e2a\u6708\uff0c\u7531\u501f\u6b3e\u4eba\u9009\u62e9\u3002\u4e3a\u786e\u4fdd\u51c6\u65f6\u4ed8\u606f\uff0c\u507f\u8d37\u51c6\u5907\u91d1\u8d26\u6237(Interest Reserve Account, IRA)\u4f1a\u5728\u4ee3\u7406\u884c\u8bbe\u7acb\uff0c\u6216\u4f5c\u4e3a\u62b5\u62bc\u54c1\u4ee5\u8986\u76d6\u77ed\u671f\u8d37\u6b3e\u5229\u606f\u3002\u5982\u679c\u62c5\u5fc3\u5229\u606f\u6216\u8d27\u5e01\u53d8\u52a8\u98ce\u9669\uff0c\u5229\u7387\u6216\u4ea4\u53c9\u8d27\u5e01\u6389\u671f\u5408\u540c(Cross Currency Swap, CCS)\u53ef\u4ee5\u9644\u5e26\u4f5c\u4e3a\u98ce\u9669\u63a7\u5236\u3002<\/p>\n\n\n\n<h3>\u627f\u8bfa\u8d37\u6b3e (Committed Loan)<\/h3>\n\n\n\n<p>\u4e0e\u77ed\u671f\u8d37\u6b3e\u4e0d\u540c\uff0c\u957f\u671f\u8d37\u6b3e\u662f\u627f\u8bfa\u8d37\u6b3e\uff0c\u94f6\u884c\u4e0d\u53ef\u4ee5\u5355\u65b9\u9762\u6539\u53d8\u6761\u6b3e\u8981\u6c42\u63d0\u524d\u8fd8\u6b3e\uff0c\u9664\u975e\u89e6\u53d1\u67d0\u4e9b\u63d0\u524d\u8fd8\u6b3e(Prepayment)\u6216\u8fdd\u7ea6\u4e8b\u4ef6(Event of Default)\u3002\u4f8b\u5982\uff0c\u501f\u6b3e\u4eba\u5982\u679c\u80a1\u6743\u53d8\u66f4(Change of Control)\u6216\u53d8\u5356\u4e3b\u8981\u4e1a\u52a1\u6216\u8d44\u4ea7(Disposal)\uff0c\u4e00\u822c\u9700\u8981\u5168\u6570\u8fd8\u6e05\u8d37\u6b3e\u3002\u8fd9\u662f\u56e0\u4e3a\u516c\u53f8\u57fa\u672c\u9762\u5df2\u7ecf\u53ef\u80fd\u53d1\u751f\u91cd\u5927\u6539\u53d8\uff0c\u8fc7\u5f80\u8d37\u6b3e\u6761\u4ef6\u6216\u5df2\u4e0d\u518d\u9002\u7528\u3002\u9664\u4e86\u5728\u672a\u80fd\u8fd8\u606f\u8fd8\u8d37\u5916\uff0c\u5728\u8d37\u6b3e\u671f\u4e00\u822c\u4f1a\u6709\u4e0d\u540c\u7684\u8d37\u6b3e\u627f\u8bfa\u6761\u6b3e(Undertaking)\u53ca\u8d22\u52a1\u627f\u8bfa(Financial Covenant)\u4ee5\u76d1\u63a7\u516c\u53f8\u60c5\u51b5\uff0c\u5e76\u53ef\u80fd\u89e6\u53d1\u8fdd\u7ea6\uff0c\u4f8b\u5982\u627f\u8bfa\u5b9a\u671f\u63d0\u4f9b\u8d22\u52a1\u62a5\u8868\u3001\u5408\u89c4\u8bc1\u660e\u4e66(Compliance Certificate)\u3001\u6760\u6746\u6bd4\u7387\u3001\u8d44\u4ea7\u6bd4\u7387\u7b49\u3002\u5982\u679c\u672a\u80fd\u6ee1\u8db3(Breach)\uff0c\u6709\u9700\u8981\u5411\u94f6\u56e2\u5927\u591a\u6570\u94f6\u884c(Majority Lenders)\u8981\u6c42\u4e00\u6b21\u6027\u8c41\u514d(Waiver)\u6216\u4fee\u6539(Amendment)\u8d37\u6b3e\u6761\u6b3e\u3002\u7136\u800c\uff0c\u6bcf\u4e2a\u4e2a\u6848\u60c5\u51b5\u5747\u6709\u4e0d\u540c\uff0c\u94f6\u884c\u4e5f\u4f1a\u4e2a\u522b\u8003\u91cf\u3002\u56e0\u6b64\uff0c\u8d37\u6b3e\u6761\u4ef6\u7684\u6572\u5b9a\u662f\u975e\u5e38\u91cd\u8981\uff0c\u4ee5\u5e73\u8861\u8db3\u591f\u4fe1\u8d37\u76d1\u63a7\u548c\u7f13\u51b2\u3002<\/p>\n\n\n\n<h3>\u4f01\u4e1a\u501f\u8d37\u7684\u672a\u6765<\/h3>\n\n\n\n<p>\u4f20\u7edf\u4e0a\uff0c\u8d37\u6b3e\u6761\u6b3e\u7531\u94f6\u884c\u5ba1\u6279\u524d\u4ee5\u610f\u5411\u6761\u4ef6\u6982\u8981(Term Sheet)\u6216\u5ba1\u6279\u540e\u4ee5\u8d37\u6b3e\u5408\u540c(Facility Agreement)\u5b9a\u660e\u3002\u5927\u91cf\u7eb8\u8d28\u4fe1\u8d37\u8d44\u6599\u5305\u62ec\u8ba4\u8bc6\u4f60\u7684\u5ba2\u6237(KYC)\u3001\u8d22\u52a1\u3001\u5546\u4e1a\u4fe1\u606f\u7b49\u5747\u9700\u63d0\u4ea4\u4e88\u94f6\u884c\u4f5c\u8003\u91cf\uff0c\u6700\u7ec8\u5ba1\u6279\u540e\u4ee5\u7eb8\u8d28\u8d37\u6b3e\u5408\u540c\u7b7e\u7f72\u3002\u8fd9\u4e2a\u8fc7\u7a0b\u53ef\u4ee5\u957f\u8fbe\u4e24\u4e09\u4e2a\u6708\u3002\u7136\u800c\uff0c\u900f\u8fc7\u91d1\u878d\u79d1\u6280\u5e73\u53f0\uff0c\u501f\u6b3e\u4eba\u53c8\u53ef\u5426\u5b9a\u5236\u5408\u9002\u8d37\u6b3e\u6761\u4ef6\u3001\u5b89\u5168\u6709\u6548\u7387\u5730\u53d1\u653e\u4fe1\u8d37\u8d44\u6599\u7ed9\u94f6\u884c\u53c2\u8d37\u3001\u5e76\u4ee5\u667a\u80fd\u5408\u7ea6(Smart Agreement)\u7b7e\u7f72\u8d37\u6b3e\u6587\u4ef6\uff1f\u8fd9\u6b63\u662f\u672a\u6765\u4f01\u4e1a\u94f6\u884c\u7684\u6570\u7801\u5316\u8d8b\u52bf\u3002\u900f\u8fc7\u533a\u5757\u94fe(Blockchain)\u5185\u7684\u5206\u6563\u5f0f\u8bb0\u8d26\u6280\u672f(Distributed Ledger Technology, DLT)\uff0c\u53ef\u4ee5\u63d0\u9ad8\u6574\u4e2a\u4f01\u4e1a\u8d37\u6b3e\u6d41\u7a0b\u7684\u6548\u7387\u3002\u94f6\u884c\u56e0\u6b64\u4ea6\u53ef\u4ee5\u4e13\u6ce8\u4e8e\u4fe1\u8d37\u98ce\u9669\u548c\u8d44\u4ea7\u8d1f\u503a\u8868\u7ba1\u7406\u3002\u6211\u4eec\u5c06\u4f1a\u5206\u4eab\u66f4\u591a\u3002\u8bf7\u7ee7\u7eed\u7559\u610f <a rel=\"noreferrer noopener\" aria-label=\"FinMonster (opens in a new tab)\" href=\"https:\/\/www.finmonster.com\" target=\"_blank\">FinMonster<\/a> \u7684\u6587\u7ae0\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/www.finmonster.com\/blog\/2019\/06\/18\/%e6%b5%85%e8%b0%88%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%9c%8d%e5%8a%a1\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u5ef6\u4f38\u9605\u8bfb\uff1a\u6d45\u8c08\u4f01\u4e1a\u94f6\u884c\u670d\u52a1\uff08\uff11\uff09\u2014\u8d38\u6613\u670d\u52a1 (opens in a new 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FinMonster\u65e2\u5feb\u6377\u5730\u4e3a\u65b0\u521b\u4f01\u4e1a\u4e0e\u4e2d\u5c0f\u4f01\u641c\u7f57\u878d\u8d44\u6700\u4f73\u5229\u7387\uff0c\u4ea6\u4e3a\u9999\u6e2f\u5404\u95f4\u94f6\u884c\u914d\u5bf9\u5408\u9002\u5ba2\u6237\u3002\u8be6\u60c5\u53ef\u89c1\u6211\u4eec<a rel=\"noreferrer noopener\" aria-label=\"\u7f51\u9875 (opens in a new tab)\" href=\"https:\/\/www.finmonster.com\" target=\"_blank\">\u7f51\u9875<\/a>\u53ca<a href=\"https:\/\/www.facebook.com\/Finmonster\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Facebook\u4e13\u9875 (opens in a new tab)\">Facebook\u4e13\u9875<\/a>\u3002<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u8f83\u65e9\u524d\u7684\u6587\u7ae0\uff0c\u6211\u4eec\u8ba8\u8bba\u8fc7\u4f01\u4e1a\u94f6\u884c\u4e2d\u6d41\u52a8\u8d37\u6b3e(Working Capital Loan)\u548c\u8d38\u6613\u878d\u8d44(Trade Finance)\uff0c\u90fd\u662f\u4e2d\u5c0f\u4f01\u4e1a\u5e38\u89c1\u7684\u8d37\u6b3e\u54c1\u79cd\u3002\u5bf9\u4e8e\u8f83\u4e3a\u6210\u719f\u7684\u4f01\u4e1a\u751a\u81f3\u6295\u8d44\u8d22\u56e2\uff0c\u66f4\u591a\u65f6\u5019\u4f1a\u5e94\u7528\u5230\u957f\u671f\u8d37\u6b3e(Term Loan)\uff0c\u4ee5\u4f5c\u8d44\u672c\u5f00\u652f\u3001\u5728\u878d\u8d44\u751a\u81f3\u662f\u5e76\u8d2d&#8230;&#8230;<\/p>\n","protected":false},"author":18,"featured_media":1334,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":""},"categories":[1277],"tags":[569,458],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u6d45\u8c08\u4f01\u4e1a\u94f6\u884c\u670d\u52a1\uff083\uff09\u2014\u957f\u671f\u8d37\u6b3e - FinMonster Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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