Research On Commercial Bank's Participation In PPP Project Financing Risk Management

In recent years,the financial pressure of our government has been increasing year by year,and the old local government financing platform has gradually withdrawn from the stage.Replaced by a new financing model,PPP(Public-private Partners,a public-private partnership.2015.A total of 1,043 PPP projects have been announced by the relevant government departments,with an investment close to 2 tillion yuan.Commercial banks,as one of the most important providers of funds in the PPP project,have not really participated in the project.The reason is that the legal risk,market risk and operation risk of PPP project are intertwined with each other to exert certain pressure on commercial banks.Including commercial banks lack of understanding of PPP project financing risks,lack of effective risk prevention measures.Therefore,the characteristics of commercial banks PPP project financing risk characteristics are analyzed.Research on risk prevention measures has become the urgent problem for commercial banks to participate in PPP project financing.This paper makes an in-depth study on the risk sources,types of risks,risk sharing and prevention of commercial banks participating in PPP project financing,and puts forward the risk prevention measures,which can reduce the non-performing loan rate of banks and improve the risk management level of banks.Increasing the confidence of social capital in the financing of PPP projects,stabilizing the financial system and promoting economic development play a positive role.The main contents are as follows:Through consulting,summing up the relevant literature at home and abroad,systematically study the commercial bank risk management theory and PPP project risk management theory,combined with the PPP project financing structure.The financing mode and characteristics of commercial banks explore the risk sources of commercial banks,and propose that the risk sources can be divided into external sources and internal sources;According to the characteristics of PPP project risk,this paper explores the risk types of commercial banks participating in PPP project financing,and puts forward that the risk types can be divided into independent control risk and joint control risk according to whether commercial banks control independently.Further subdivision is made.Explore the means of risk sharing and prevention of commercial banks,and put forward that the risk prevention of commercial banks should start from external risk sharing and internal risk prevention,and a reasonable risk sharing mechanism should be established.Perfect loan agreement,choose PPP project carefully,set up commercial bank PPP project risk management professional organization and design diversified financing channel,etc.