I摘要地方政府为满足经济下行时期经济发展需要以及城镇化进程下的市政建设的资金需求已经背负了沉重的财务负担，急切需要通过其他途径获得资金支持。商业银行参与到 PPP 项目中不仅可以为项目提供资金支持而且可以提供相关的金融产品和服务。但 PPP 项目具有参与方多、关系复杂，融资规模大、回报时间久等特点，且 PPP 项目的法律风险、政府风险、私人部门风险、项目可行性可能会给商业银行资金带来损失。因此，研究商业银行在 PPP 模式下的风险管理就显得尤为重要。 通过分析发现，PPP 项目在中国具有广阔美好的市场。然而我国就 PPP项目目前并未能形成完善的法律体系支持，商业银行也未能就 PPP 项目建立相关完善的风险防控制度，政府部门和私人部门在参与 PPP 项目时职责和义务能力并不强，PPP 项目由于合同期较长也面对着较多的潜在风险。因此，商业银行应当加强对 PPP 项目的贷前审查和贷后检查工作，主动与政府沟通，建立 PPP 项目风险管理系统，合理设立协议条款，加强专业人才队伍培养，创新金融产品，为 PPP 项目提供优质服务。关键词：PPP 模式 商业银行 风险管理The risk management of commercial banks under PPP modeABSTRACTLocal governments have already shouldered heavy financial burden to meet the needs of economic development in the downturn period and the financial needs of municipal construction in the process of urbanization. They urgently need to obtain financial support through other means. Commercial banks participating in PPP projects can not only provide financial support for the project, but also provide related financial products and services. However, PPP project has many characteristics, such as many participants, complex relations, large scale of financing, long return time, and the legal risk, government risk, private sector risk, project feasibility of PPP project may bring losses to commercial bank funds. Therefore, it is particularly important to study the risk management of commercial banks under PPP mode.Through the analysis, it is found that PPP project ...
