Commercial Banks Participate In The Risk Management Research Of PPP Projects

In recent years,China has continuously increased its efforts to promote the process of urbanization.Under this foundation,local governments have also actively promoted the construction of public infrastructure and strive to create a good environment for the lives of the people.However,the demand for public infrastructure construction funds is extremely large,and it is trapped in the shackles of local government debt burden.In the past,it was difficult to meet the investment demand simply by relying on the financial allocation of the other government,and it was not conducive to the healthy development of local government finance.The introduction of social capital to participate in public infrastructure construction can not only solve the problem of lack of local government construction funds,but also introduce the technological innovation capability and management ability of social capital in construction.Therefore,it has been promoted by local governments.However,due to the large investment scale and long construction period of the PPP project,the social capital party cannot fully bear all the funds needed for construction,and it is necessary to maintain the continuous supply of funds for PPP projects through external financing.Among the external financing methods,commercial banks have a large proportion of participation,but PPP projects are affected by the macro and micro economic environment.There are many uncertain rlisk factors throughout the life cycle,and the financing structure is complex and the investment body The large amount of characteristics makes commercial banks,especially small and medium-sized commercial banks with little experience in participating in PPP project financing,face more complex risks when conducting financing activities.Therefore,as a government and social capital financing intermediary,small and medium-sized commercial banks can effectively improve their risk management capabilities in participating in PPP project financing activities to cope with complicated risks and ensure that PPP projects are provided and operated smoothly while providing their own The capital and interest of the funds can be withdrawn on time and with theoretical and practical research value.This paper explains the risk of the prevention and control of commercial banks'participation in PPP project financing activities and the risk points specific to each stage of the project life cycle.On the theoretical basis,combined with the life cycle of the project,through the actual case to the perspective of the bank In order to analyze the risk management of commercial banks participating in PPP project financing activities,and to propose a perfect path for commercial banks to participate in PPP project financing risk management.