商业银行参与PPP项目的模式、风险与对策

On the modes, risks and countermeasures of commercial banks' participating in PPP projects

商业银行参与PPP的模式可归纳为传统项目贷款和产业基金两种模式,目前产业基金模式因涉嫌资本金融资而受到限制。PPP项目的最大风险是合规风险,有其独特的风险点,诸如项目的设计规划和建设、项目的运营与收益、项目的筹资等方面的风险。商业银行在参与PPP项目时,必须重点审查各参与主体的合规性,符合国家相关政策,保证业务的合规性;商业银行应组建专业团队,选择适宜的合作方和PPP项目。

Commercial bank’s participation in the PPP has two types of modes:traditional project loans and industrial funds.Currently,the industrial fund model is limited by suspected capital financing.The biggest risk of PPP projects is compliance risk,which has unique risk points,such as the design,planning and construction,the operation and income,project financing,etc.When participating in,a PPP project,commercial banks must focus on reviewing the compliance of all participants,comply with relevant national policies to ensure the compliance of business.Commercial banks should form a professional team and select suitable partners and PPP projects.