Ryzyko wynikajace z umowy o utworzeniu konsorcjum bankowego
Risk arising from an agreement on establishment of a bank syndicate

Summary/Abstract: Bank syndicates make it possible to pool banks’ capitals in order to implement large-scale economic undertakings. In particular they are established in order that banks can grant loans in an amount exceeding the involvement limit per single borrower. Bank syndicates’ aim is providing access to funds to effectively fulfil customers’ needs.However, such bank activities pose a risk related to granted loans. Bank syndicates are also established to minimize credit risk, as it is safer to distribute risk related to financing a large economic project among a number of banks involved in the syndicate. To reduce credit risk, banks use securities, which can be provided in three manners. Securities may be established for a syndicate as a whole, and for the bank which manages and represents the whole syndicate, as well as for particular banks involved in the syndicate. However, one cannot overlook the fact that the borrower is also concerned by the risk arising from an agreement on establishment of a bank syndicate.

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