从银团贷款余额到牵头数量来看,城市商业银行、农村商业银行与其他金融同业相比仍然有很大的差距,但对中小银行来说,银团贷款可谓尚待深入开发的新“蓝海”。银团贷款虽然产生、发展较晚,但是经过多年发展,目前已成为国际金融市场最大、最灵活的资本来源之一。近年来,我国银团贷款市场也经历了快速的发展和巨大变革,银团贷款的理念和方式逐渐获得了商业银行和越来越多借款人的认可和接受。根据中国银行业协会银团贷款与交易专业委员会统计,近几年来,我国银团贷款业务呈现高速发展态势, From the syndicated loan balance to the lead quantity, the urban commercial banks and rural commercial banks still have a big gap compared with other financial peers, but for small and medium-sized banks, the syndicated loans can be described as the new “blue ocean ”. Although the syndicated loans are produced and developed later, they have become one of the largest and most flexible sources of capital in international financial markets after years of development. In recent years, China’s syndicated loan market has undergone rapid development and great changes. The concepts and methods of syndicated loans have been gradually accepted and accepted by commercial banks and more and more borrowers. According to the statistics of the Syndicated Loans and Transactions Committee of the China Banking Association, in recent years, the syndicated loan business in China has shown a rapid development trend.