傳統以金融機構為借款者的聯貸案常會被針對聯貸市場進行研究的文獻所忽略，而此類型的聯貸案件運作架構與目的與一般產業的聯貸案之間存在著明顯的差異，同時，我們也發現金融業與一般產業的聯貸案分佈的區域也有所不同。因此針對此特定行為進行研究，發現市場資金供需的不平衡以及外幣的業務需求導致了歐洲與澳洲地區的金融機構在亞洲地區進行大規模的聯貸案。

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