Research On Credit-granting Strategies And Risk Control Of Commercial Banks Participating In PPP Model Projects

In recent years,after the central government put forward the concept of appropriate cooperation with social capital in various regional infrastructure projects,the regional governments issued various policies on social construction PPP projects and took the initiative to strip off the functions of local "small finance." It is of great significance for local governments to rely solely on the debt financing business provided by banks in getting rid of traditional construction projects by introducing government construction projects into the capital market and actively cooperating with social capital parties.With the implementation and development of a large number of PPP projects,due to the long years of this kind of projects,especially the long-term mismatch between a large amount of capital investment and government payment during the construction period of the project,resulting in the gradual emergence of financial pressure on the social capital side.Commercial banks are generally the main source of funds in PPP projects,as the supplier of funds,in this process,How to deeply participate in it on the premise of ensuring the safety of funds and the quality of credit,and how to provide efficient and high-quality financial services for the relevant participants in the PPP model project is an urgent problem for commercial banks to solve.This paper analyzes the present situation of the development of commercial banks participating in PPP projects,analyzes and sums up the credit strategies and repayment methods of PPP projects of the main commercial banks in the market by introducing practical cases,and then takes the case as the model.This paper puts forward the risk control strategy of commercial banks,and finally gives suggestions for commercial banks to improve at the policy level of participating in PPP projects.Through the discussion on the necessity and main mode of commercial banks participating in PPP project,the basic situation and operation mode of the project are introduced.It also focuses on the credit strategy for commercial banks to participate in the project financing,as well as the project profit and loan solvency,and makes a sensitivity analysis.Through the introduction of the case,this paper makes an in-depth study on the basic mode of the PPP project,as well as the structure and strategy of the bank’s financing support for the project,and expounds the effect and enlightenment of the bank’s participation in the project.It also puts forward the key risk points and preventive measures of the project,and finally forms the specific suggestions on the policies of commercial banks to participate in the PPP project.