Study On Loan Risk Management Of LY Shanty Town Reconstruction PPP Project Of A Agricultural Development Bank

After the 1990s,PPP model began to rise as a new financing model in western countries.In 2016,PPP model achieved unprecedented development speed in China,and is also being accepted as a new model of social capital and government work.With both the strongest financing capacity and the most extensive source of funds,banks are the financial service institution in China,and they also play a main source in the financing process of PPP projects.However,because PPP model appears later in China than in western countries,many problems appeared during the process.And at that times,Chinese scholars have not studied the risk of PPP model in very detail yet.Because of many problems and crises presented in the current PPP projects in China,banks as the third parties will also be directly affected by the risk of PPP projects.In this development background,this paper is trying to analyze the risks of PPP projects from the perspective of banks,so that banks can effectively control the loan repayment risks caused by the project while investing in PPP projects.This paper mainly selects the literature review method and the case-analysis method,based on an example of the LY shanty town reconstruction PPP project.It introduced the research background and shows the significance of the topic selection,summarizes the relevant literature both from abroad and at home,and introduces the framework at the beginning.Then,in the second chapter,the risk management theory is briefly introduced,and the application scope of PPP projects in China and the construction situation of the shanty town reconstruction project in China are sorted out.In the third chapter of this paper,it is based on the above the oretical research,combined with the bank comprehensive risk management,using the characteristics of the PPP project,literature review of PPP project risk list,then using the expert inquiry method,and then apply hierarchical analysis method to consider the influencing factors from political risk,financial risk,construction risk,legal risk and natural risk,five aspects to build the LY shantytown reconstruction PPP project risk evaluation system.The fourth chapter mainly evaluates the risk indicators identified in third chapter using Delphi Law and Questionnaire method to form a risk evaluation model of PPP project of LY shantytown reconstruction based on fuzzy comprehensive analysis method.Establish a judgment matrix,calculate the risk weight according to the importance of the factors in the matrix,and sort the risk index layer factors.Under the results above,the expert team scored the risk indicators,and got the risk factors’influences of the whole system.Then,we can got the risk analysis qualitative and quantitative,for the appropriate risk response method to provide basis,by the risk of the PPP project comprehensive assessment,take meaningful measures to control,defuse,slow release risk,hope can bring reference inspiration for bank loan risk management and reference significance.PPP project loans of bank are generally characterized by large loan amount and high risk,so loan banks must conduct strict scientific evaluation of loan projects.At present,the Chinese bank project evaluation mainly adopts the risk rating method,but in the process of specific operation,the index is too subjective,both subjective indicators or objective indicators,take a simple expert scoring method,a little too rough,cannot objectively reflect the real risk of loan projects,is not conducive to the bank to make scientific loan decisions.Therefore,it is of very practical significance to study how to build the evaluation system of the project loan risk level,and to scientifically evaluate it on this basis.