Research On Risk Management Of Commercial Banks Under PPP Model

In recent years,commercial banks have developed to a new bottleneck.On the one hand,they are affected by the decline of economic growth.The quality loan assets are decreasing and the non-performing loans are increasing.On the other hand,the retail business of commercial banks is also squeezed by the impact of Internet finance.Commercial banks urgently need to find higher quality investment channels and expand their business.At the same time,on the one hand,people yearning for a better life for the public service demand is increasing,on the other hand,local government finances,increasing the scale of debt,debt risk increase,the government to improve the level of public service through its own strength to expand infrastructure construction to ensure.In the background of the existing infrastructure and public service mechanism can not meet the growing demand for quality and quantity of public services,the PPP mode came into being at home,which provided a new channel for commercial bank loans.Based on the risk management of commercial banks under the PPP model as the research center,first introduces the operation process of PPP model the definition,classification and PPP project,and then discusses five modes of commercial banks involved in the PPP project,and then analyze the five main risk of commercial banks to participate in the PPP project,project risk,project risk,cycle characteristics government risk,capital risk and social risk policies and regulations;and combining with the case of Changde City sponge city project,starting from commercial banks to participate in the five major risks faced by the project PPP point of view,acomprehensive analysis of the risks of commercial banks involved in the project,finally summarizes the countermeasures and suggestions of risk management of commercial bank PPP that is,to pay more attention on the study of landing project selection,the choice of social capital at the same time to deepen our understanding of the PPP related policies,the formation of PPP mode The policy research team is concerned about the new regulations issued by the government departments.Finally,it is necessary to strengthen the internal risk management of commercial banks.This paper for the future research on risk management of commercial banks under the PPP model provides a perspective helps to change the traditional business of commercial bank loans risk management thinking,and to improve the risk management level of commercial banks to participate in the PPP project financing,provide some theoretical basis for the commercial bank risk management under PPP mode.