An Research Of Financing Risk Control Of PPP Project

Under the circumstances of Interest rate marketization,financial disintermediation,a slowdown in economic growth and fund shortage,there are many problems in the management of commercial banks,which can be reflect in the quality of assets,like the rising rate of non-performing loans,increasing risk control pressure and the shortage of high quality credit resources.Therefore,it is important for commercial banks to adjust the structure of assets and income and seek a reasonable investment.Meanwhile,our country is pushing forward the construction of urbanization,and the governments of all over the country are trying to improve the public service system.However,the rate of local government debt is increasing,the financing channels are strictly limited,and the huge investment demand of urban infrastructure construction is difficult to be met.Against this background,the development of PPP mode is highly valued at the national level.With the active promotion of various regions and departments,a large number of PPP projects emerge.The market environment of PPP is constantly optimized,and the landing speed of the project has been accelerating,which has played a promoting role in the stabilizing growth of economy and the improvement of people's livelihood.Meanwhile,it has brought new growth points of business for commercial banks.But from the current situation,the enthusiasm of commercial banks to participate in PPP projects is not very high.The main reason for this phenomenon is the concern of commercial banks for the risk of PPP projects.At present,the number of PPP projects in China is huge,and it is difficult to distinguish the quality of those PPP projects.Therefore,it is particularly urgent to analyze the risks that commercial banks should pay attention to when they participate in the PPP project.By analyzing the operation mode return mechanism and development prospect of PPP projects,the paper starts with the mode characteristics and the products of commercial banks,puts forward five kinds of risk in PPP projects,which are characteristic risk,social capital risk,government risk,bank internal risk and other risks.The paper adopts the combination of theory and practice ideas,select the relocation project of L People's Hospital as a case,analyze the five kinds of risks by quantitative analysis and qualitative analysis.The paper discusses the risk of the relocation project of L City People's hospital,puts forward the recommendations of risk prevention for commercial banks in PPP project,such as the carefully selecting the social capital cooperator,monitoring the local financial risk,strengthening the internal management of commercial bank and paying close attention on PPP policy change.The paper provides a basic idea of the PPP project risk analysis from the perspective of commercial banks,which will be conducive for commercial banks to identify and judge the risk in PPP project process,take measures to resolve the risk,and avoid the lost involved in PPP projects.