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Вопросы менеджмента в банковском синдицированном кредитовании // Management Issues in Loan Syndications Banking

Author

Listed:
  • A. Tarasov

    (Executive MBA)

  • А. Тарасов

    (Executive MBA)

Abstract

This article covers the key management issues in the loan syndications banking business. A syndicated loan is provided to a borrower by a group of commercial or investment banks. The global syndicated loan market is from one perspective, the primary funding source for corporations and on the other — one of the leading businesses for the global banks. There exist some unique challenges that must be responded by banks from a managerial and strategic perspective to establish and maintain leadership in the important business due to the features, structures, and industrial organisation of the market. We first consider how the loan syndications business is structured in a global bank, its functions and competitive advantages. Then we discuss the ways banks can implement an effective strategy and maintain leadership and growth in the market. Finally, we propose solutions to dealing with commoditization in banking: (i) adding more value-added services to the client offering; (ii) bundling of services in order to realize cross-selling opportunities and maximize share-of-wallet; (iii) further segmentation and customization of the client base (by industry/relationship/services consumption). By adopting these strategies, banks can successfully fight the commoditization magnet and increase the profitability of their loans syndications businesses. Исследованы ключевые аспекты организации и управления синдицированного кредитования в банке. Дан всесторонний анализ особенностям международного рынка синдицированного кредитования, который одновременно является крупнейшим источником финансирования для корпораций и одним из ключевых сегментов банковского бизнеса. Предложены проверенные практикой решения, позволяющие банкам успешно реагировать на современные вызовы коммодитизации (добавление к базовым банковским продуктам высокодоходных услуг; объединение услуг для получения максимального дохода от каждого клиента; сегментация клиентской базы с целью соответствия интегрированного предложения потребностям различных клиентов). Используя данные рекомендации, банки могут успешно развивать бизнес синдицированного кредитования, увеличивая прибыль и долю рынка.

Suggested Citation

  • A. Tarasov & А. Тарасов, 2019. "Вопросы менеджмента в банковском синдицированном кредитовании // Management Issues in Loan Syndications Banking," Review of Business and Economics Studies // Review of Business and Economics Studies, Финансовый Университет // Financial University, vol. 7(3), pages 37-44.
    • Handle: RePEc:scn:00rbes:y:2019:i:3:p:37-44
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    References listed on IDEAS

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