ACCA考試要學員的課程有15門，學員需要通過13門課程的考試才能夠拿到ACCA證書。ACCA課程的難度逐步升級，讓學員掌握的知識點也不斷的增長。ACCA考試Syndicated loan 銀團貸款怎么理解？
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Syndicated loan 銀團貸款原理是什么？
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.是指由一家或數家銀行牽頭,多家銀行參與組成的銀行集團，由兩位或以上貸款人按相同的貸款條件、以不同的分工，共同向一家以上借款人提供貸款，并簽署同一貸款協議的貸款業務.
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,*的優勢是大筆貸款可以通過一家銀行俁團）來處理，無需從多家銀行申請不同的貸款。
It tends to be more flexible and can be tailored to the company' s specific needs它更加靈活，可以根據公司的具體需求定制。
2、disadvantage
The lead bank may require a higher interest rate to cover its risk of one of thesyndicate banks defaulting on the loam.牽頭銀行可能需要更高的利率來彌補其中一家（辛迪加）銀行拖欠貸款的風險。
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