The Risk Prevention Analysis Of Bank A's Participation In The Business Model Of Investment Fund For Poverty Alleviation In B City,Yunnan Province

From the perspective of commercial Banks,this paper carries on the risk management analysis of bank A's participation in the business model of investment fund for poverty alleviation in B city,yunnan province.In our country,this is not uncommon that financial institutions and government departments participate in infrastructure construction.However,this is not common that financial institutions and the government set up investment development for poverty alleviation funds through cooperation,in the form of state-owned enterprises,commercial Banks and fund management company limited partnership sharing of capital contribution subscribed funds respectively manner in the infrastructure construction investment of poor areas.In my opinion,this business mode is the evolution and new attempt of government and social capital cooperation mode(namely PPP mode).In recent years,our country's PPP model in public infrastructure was widely promotion and application.On the one hand,national and local government attache great importance and support of the PPP mode.On the other hand,the PPP mode can alleviate the financing problem of government in public infrastructure construction and the stock of debt.The introduction of social capital is beneficial to improve efficiency of the operation of project and producing positive net income,helping the government debt stock of digestion.However,at the same time,PPP mode also has some risks,such as government risk,market risk,violation of public welfare principle,policy and regulation risk,etc.First chapter of this article introduces and discusses the development background and the significance of improving the business model of the B city's poverty alleviation fund investment,and has carried on the simple statement and summary of the PPP mode and the relationship between the government purchase services at home and abroad,the research status of the PPP project risk.The second chapter firstly introduces the basic situation of poverty alleviation fund investment development business,followed by the analysis of funds to carry out the feasibility of the main financial data which is analyzed respectively from the government department of local government finances,from the perspective of A bank by quantitative investment funds recycling the income of the fund.The third chapter analyzed B city's poverty alleviation and development problems from seven dimensions in the operation of the fund investment risk,mainly including the funding risk,policy risk,legal compliance risk,operation risk,moral risk,interest rate risk,credit risk.Chapter four puts forward risk control countermeasures and Suggestions for the risk of chapter iii analysis,and puts forward the whole process control at different stages of fund operation.In the fifth chapter concludes that in the expansion of government and social capital cooperation mode,through the Banks' participation in the whole process of risk management are key factors of this business model risk control and the important means.