| China is implementing a new type of urbanization development strategy.Urbanization is the requirement of modernization,and it is also an important way to stabilize growth,promote reform,adjust structure,and benefit people's livelihood.The most important projects in urbanization are public service projects,which generally include economic infrastructure such as transportation facilities,municipalities,and water Conservancy,as well as social infrastructure such as environmental protection,science and technology,and education.The construction of public projects with non-Market operation using the traditional BT model has some criticisms such as weak management and low operating efficiency.At the same time,large-scale public project funding has formed a certain pressure on finance.The PPP model can increase the enthusiasm of all parties involved in cooperation and can,to a certain extent,solve the above restrictions.It will help promote the development of inter-city transportation infrastructure and improve the quality and efficiency of the economy,and at the same time it will facilitate the Environmental Protection work of the current country's green and low-carbon economic structure.We will improve the efficiency and quality of supply-side reforms.PPP model,as a construction model promoted by the government,PPP project financing has become the marketing direction for commercial banks to intervene.With the increasing diversification of risks,there are many cases of frequent credit risk of banks.Therefore,under the development of PPP project financing market,how to control the project credit risk becomes the key work of risk management departments.This article first describes the development history of PPP model,domestic development background,domestic development status,etc.,combined with the characteristics of PPP projects from commercial banks to participate in PPP project credit risks,That is,the analysis of sources such as project risks,project company risks,government risks,and project social risks,and then take the "Zhoukou Port Logistics Industry Cluster Road PPP Project" as an example.Based on the existing PPP laws and regulations of the state,the report of the Ministry of Project Feasibility Research,the relevant government approval documents,and BH Commercial Bank loan granting management measures,the paper analyzes the cooperative model of project financing for commercial banks under the PPP model.How to assess the government,how to identify the social capital,how to analyze the project itself,how to analyze the risk points in the whole process,etc..In order to prevent commercial banks from blindly intervening in non-compliant PPP projects or forming non-performing loans that can not be recovered normally in the external environment where local governments accelerate the landing of PPP projects,and reduce the compliance risk and operational risk of commercial banks.By exploring project financing risk identification,risk analysis,risk response and risk prevention measures under the PPP model,this paper will help to reduce the potential financial risks brought about by the participation of commercial banks in PPP projects,improve the overall operating income,and reduce the non-performing loan ratio of commercial banks.We will improve the theoretical system of project financing risk management under the PPP model,increase the enthusiasm and confidence of social capital to participate in PPP projects,promote and develop a stable financial system under the PPP model,and promote the development of urbanization in China. |
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