The so-called syndicated loan is literally a group of banks lending together, including a host bank and several participating banks. The biggest advantage of bank loans is that risks are dispersed and funds are dispersed. For example, for a loan demand of 50 million yuan, if a bank thinks that the loan is worth doing after loan investigation, but no bank has such a large scale of funds and doesn't want to bear all the risks alone, then he can act as a sponsor and initiate several banks to participate in the loan investigation, examination and issuance, so that the risks are dispersed and the funds are enough. Bank group loans are often carried out in several branches or sub-branches of the same bank.