Risk Research Of Commercial Banks Participating In Loans Of PPP Projects

Affected by industrial restructuring,development of intensive economy,strengthening supply-side reform and other policies,the domestic economy gradually enters the new normal,excess industries speed up the clearance,and the amount of social financing is controlled in an orderly way.However,for commercial banks,their general loan business is faced with many challenges.For example,nonperforming loan ratios are rising rapidly and the weight of loans is shrinking year by year.Considering the need of sustainable development,commercial banks should innovate the loan mode and develop excellent loan projects to meet the market demand.In addition,limited to the singleness of financing mode on the tradition financing channels and the lack of the financing supply,local governments are still facing the problem of financing while furnishing public infrastructure.When solving the difficult problem of funds,the PPP model has passed the market test and proved to be a reliable way to supplement funds.The coexistence of benefits and risks in PPP mode is also an important reason for its difficulty in popularizing in commercial banks.In order to expand the popularity of PPP mode in commercial banks,the author believes that it is the research direction of current academia to strengthen risk analysis and summarize control measures.First of all,this paper gives a brief introduction to the background and significance of the subject,and sorts out the context and thinking of the research.Secondly,this paper lists the main forms of commercial banks' participation in PPP projects,probes into the general situation and features of commercial banks' participation in loans of PPP projects.Thirdly,the five risk factors of participation in loans of PPP projects were summarized and the influencing factors were subdivided.Fourth,introduce cases to improve the credibility of the subject.After a brief introduction to the seawater desalination project of Tianjin Binhai new area,the author conducted research on five risks from the perspective of finance and non-finance,and successfully obtained specific loan risks.Due to the uncertainty of risk,in order to minimize the business loss of commercial banks,the author gives some risk prediction and control measures,hoping to drive the enthusiasm of commercial banks to participate in loans of PPP projects.PPP projects are the product of market demand.In order to increase the financing amount of commercial banks and improve the business level,it is necessary to summarize the successful experience of various countries and provide reliable risk prevention advice based on national conditions.