PPP模式下融资风险与防范分析—以商业银行为例.docxVIP

PAGE II PAGE II PPP模式下融资风险与防范分析 ——以商业银行为例 摘 要 近年来，商业银行利率市场化下存贷款利息差收缩，融资端客户正在流失，此时，商业银行急需寻找新的优质融资项目。另外，国家政府承受着沉重的财政负担，以适应经济低迷时期经济发展的需求和城市化过程中市政建设的资金需求，如债务范围过大、资本不足等问题，导致融资能力受到严峻的考验，急切需要通过其他途径获得资金支持。由此掀起了国内的一波“PPP模式融资项目”的热潮。 在我国，商业银行参与PPP项目融资尚还在起步阶段。商业银行参与PPP融资前要注意面临的风险，以及怎么才能做好风险防控准备。本文介绍了商业银行在PPP项目融资参与过程中参演怎么样的角色，核心是解析了商业银行参与PPP项目融资面临的几个主要风险来源，并透过我国河北省唐山市的曹妃甸海水淡化PPP融资项目案例，分析出主要风险与风险防范的方案。 关键词：PPP模式;商业银行;融资风险；风险防范 The Risk Management Of Commercial Banks Under PPP Mode Abstract In recent years, the interest margin of commercial banks interest rate marketization deposits and loans has narrowed, and the financing end customers are losing. At this time, commercial banks need to find new high-quality financing projects urgently. In addition, the national government bears a heavy financial burden to adapt to the needs of economic development in the economic downturn and the capital needs of municipal construction in the process of urbanization, such as the debt range is too large, capital shortage and other problems, leading to a severe test of financing capacity, which urgently needs to obtain financial support through other ways. Thus, a wave of domestic PPP mode financing projects upsurge has been set off. In China, the participation of commercial banks in PPP project financing is still in its infancy. If commercial banks want to participate in PPP financing, they need to know what risks they are facing and how to prepare for risk prevention and control. This paper introduces the role of commercial banks in PPP project financing, the core is to analyze the main risk sources of commercial banks in PPP project financing, and through the case of Caofeidian desalination PPP project in Tangshan City, Hebei Province, analyze the main risk and risk prevention scheme. Key words: PPP model ； Commercial Bank ； Risk and risk prevention 目 录 TOC \o 1-3 \h \u 26578 摘 要 I 23659 Abstract II 29271 一、 绪 论 1 28378 （一） 研究背景及意义 1 13026 （二） 文献