美国数次房地产危机引发银行“并购潮”对我国的启示  

The Enlightenment of Bank Mergers and Acquisitions Caused by the US Real Estate Crisis on China

作　　者：侯哲 谭婧园 Hou Zhe(Xiamen International Bank)

机构地区：[1]厦门国际银行总行风险管理部 [2]中国农业银行厦门分行

出　　处：《金融发展评论》2024年第10期81-94,共14页Financial Development Review

摘　　要：当前我国房地产行业处于下行徘徊期,与房地产行业捆绑较深的银行,风险事件频发。2020年-2024年初,先后有超过30家中小银行合并或重组,国内迎来银行“并购潮”,短期内并购事件将会持续。本文深入剖析了美国20世纪以来经历严重的房地产危机,并由此引发三轮较大规模的银行“并购潮”,对我国处理问题银行有一定的启示:政府层面主动介入,召开新闻发布会及时向公众发布信息,提供流动性支持,极端情况下实施临时接管。银行发生危机要立即启动舆情处置预案,第一时间报告当地政府,借助权威媒体发布信息。日常管理中应提升与媒体沟通的能力与技巧,并将合并或重组作为“二次改革”的起点,提高自身抵御风险能力和竞争力,加快整体转型步伐。At present,China's real estate industry is in a downward period,and bank risk events that are deeply tied to the real estate industry are frequent.From 2020 to early 2024,more than 30 small and medium-sized banks have merged or reorganized,and China has ushered in a“wave of mergers and acquisitions”of banks,and mergers and acquisitions will continue in the short term.This paper provides an in-depth analysis of the serious real estate crisis that United States has experienced since the 20th century,which has triggered three rounds of large-scale bank mergers and acquisitions,which has some enlightenment for China's banks to deal with problems.

关 键 词：银行并购 房地产危机 并购潮 中小银行 风险 

分 类 号：F271[经济管理—企业管理] F832.3[经济管理—国民经济] F837.12