Research On Risk Management Of Commercial Banks In The Operation Of PPP Projects

Public-Private-Partnership refers to between the government and private organizations,to jointly develop,the construction of city infrastructure projects or provide some public goods for the purpose of governme nt,private organizations granted a franchise,as the basis for the formation of cooperative relations,cooperation between the two sides by signing a franchise contract to stipulate the rights and obligations of each other.One of the main providers of PPP project construction funds of commercial banks,because the PPP project in addition to conventional credit business credit risk of traditional projects,also has a long cycle of loans,project their own source of repayment is weak,credit risk factors,and the government highly related risks,the credit risk of the PPP project is a great challenge to commercial banks to solve,so the effective prevention and control of PPP project credit risk,is of great significance in reducing the loss of credit assets,improve the management status of commercial banks.Based on this,starting from the PPP project lifecycle,the preparation stage,the tender stage,financing stage,construction stage,project operation and maintenance stage,introduced the transition phase,according to the characteristics of each stage,analysis of the commercial banks to participate in various stages of the PPP project risk,put forward corresponding risk management methods.For the PPP operation of the project preparation and bidding stage,the main work of the commercial bank’s risk identification and risk assessment of PPP project,through the research on the PPP project of the actual situation,to find out the risk factors,constructs hierarchical structure analysis of these factors by AHP,using expert scoring method as the basis,according to experts on risk factors the 22 alignment score,get the judgment matrix,and then calculate the corresponding weights;combined with the project scoring table,for each factor score,through the above method,determine the level of PPP project financing risk.In the financing phase of the operation of the PPP project,the commercial banks should focus on the approval and implementation of the loan contract.In the construction and operation stages of the PPP project,the commercial banks should carry out risk monitoring and risk response after the occurrence of risk.Finally,in the PPP project handover phase,the commercial bank evaluates the overall project after the reclaim,and summarizes the experience and lessons applied to the subsequent PPP project.In addition,according to the A city water supply pipeline construction PPP project financing risk assessment results,the risk of commercial banks to participate in the A city water supply pipeline construction project financing and PPP sharing and Prevention conducted in-depth research,put forward the risk prevention measures to reduce the rate of non-performing loans and improve bank risk management level,increase the social capital to participate in the PPP project financing confidence,stabilize the financial system and promote economic development,has a positive effect.We hope to promote the research and development of the PPP project financing model in China.