I 摘要 随着经济的发展和市场经济的活跃，企业和居民对于贷款的需求逐渐增多。 商业银行的贷款业务也逐渐得到了人们的关注。但是，随着商业银行贷款业务的 普及。在贷款方面，商业银行的问题也就暴露出来。这些问题包括商业银行的不 良贷款的比重上升，另外商业银行的贷款回收比重较低。但是，政府对于基础设 施的建设方面的资金投入非常少。政府方面提供的贷款资金有限就会促进商业银 行的贷款。因此，PPP 模式就是利用政府的政策支持和商业银行的核心业务，从 而达到促进区域经济增长和基础设施建设的目的。 PPP 模式主要是政府和商业银行合作，推广商业贷款，为当地的经济发展和 基础设施建设增添活力。然而，当前与政府合作的商业银行的数量仍然较少。如 何提升商业银行的参与度并且提升 PPP 的项目发展，是很多专家和学者研究的 课题。 本文主要围绕商业银行的 PPP 项目融资风险控制来进行展开。首先对 PPP 模式的国内外文献进行研究和介绍。其次对商业银行 PPP 项目融资风险控制理论 进行研究，分析 PPP 模式的主要风险，并构建商业银行 PPP 项目融资风险评价 模型。在研究了 PPP 模式的风险之后，本文结合商业银行融资 BJW 项目的具体 案例进行研究，分析出 BJW 项目的风险并对项目风险做出评价。最后针对商业 银行 PPP 项目的融资风险控制，本文总结出政策风险防范、法律法规风险防范、 项目公司风险防范、运营风险防范和融资项目风险防范等适合商业银行 PPP 项目 融资风险应对的措施。 关键词，PPP 项目；风险分析；风险应对Abstract II Abstract With the development of economy and the active market economy, the demand of enterprises and residents for loans is increasing gradually. The loan business of commercial banks has also gradually attracted people's attention. However, with the popularity of commercial bank loan business. In terms of loans, the problems of commercial banks are also exposed. These problems include the rising proportion of non-performing loans of commercial banks, and the low proportion of loan recovery of commercial banks. However, the government invests very little in infrastructure construction. Limited loan funds provided by the government will promote the loan of commercial banks. Therefore, PPP model is to use government policy support and core business of commercial banks to achieve the purpose of promoting regional economic growth and infrastructure construction. PPP mode is mainly the cooperation between the government and commercial banks to promote commercial loans, so as to add vitality to local economic development and infrastructure construction. However, the number of commercial banks cooperating with the government is still small. How to enhance the participation of commercial banks and enhance the development of PPP projects is a subject studied by many experts and scholars. This paper mainly focuses on the risk control of PPP project financing in commercial banks. Firstly, the domestic and foreign literature of PPP model is studied and introduced. Secondly, it studies the risk control theory of commercial banks'PPP project financing, analyses the main risks of PPP model, and constructs the risk evaluation model of commercial banks' PPP project financing. After studying the risk of PPP mode, this paper combines the specific case of commercial bank financing BJW project to study, analyze the risk of BJW project and evaluate the project risk. Finally, aiming at the financing risk control of commercial banks'PPP projects, this paper summarizes the measures suitable for commercial banks to cope with theAbstract III financing risk of PPP projects, such as policy risk prevention, laws and regulations risk prevention, project company risk prevention, operation risk prevention and financing project risk prevention. Key words: PPP project; risk analysis; risk response目录 IV 目 录 摘要............................................................................................................ I Abstract..........................................................................................................................II 第一章 绪论................................................................................................1 第一节 选题背景和意义........................................................................................1 一、选题的背景.........................................................................................................................1 二、研究目的与意义.................................................................................................................2 第二节 文献综述....................................................................................................3 一、国内外研究综述.................................................................................................................3 二、国外研究动态.....................................................................................................................3 三、国内研究动态.....................................................................................................................4 第三节 研究方法与主要内容................................................................................6 一、研究方法.............................................................................................................................6 二、主要内容.............................................................................................................................7 第二章 商业银行 PPP 项目融资风险控制理论......................................8 第一节 相关概念....................................................................................................8 一、PPP 项目.............................................................................................................................8 二、PPP 模式优缺点.................................................................................................................9 三、PPP 融资模式特征...........................................................................................................10 第二节 风险控制..................................................................................................11 一、风险识别的方法及流程...................................................................................................11 二、风险评价...........................................................................................................................14 三、风险应对...........................................................................................................................15 第三节 PPP 项目风险控制的环节及过程..........................................................16 一、风险控制的环节...............................................................................................................16 二、风险控制的流程...............................................................................................................17 第三章 商业银行 PPP 项目融资风险评价模型的构建........................17目录 V 第一节 PPP 项目融资的主要风险因素..............................................................19 一、PPP 项目融资的外部风险...............................................................................................19 二、PPP 项目融资的内部风险...............................................................................................22 第二节 PPP 项目融资风险指标体系的建立......................................................23 第三节 构建 PPP 项目融资风险评价模型...........................................................24 一、层次分析法的引入...........................................................................................................24 二、模糊综合评价法的引入...................................................................................................26 第四章 案例分析——以 BJW 项目为例...............................................30 第一节 BJW 项目融资概况...................................................................................30 一、BJW 项目的基本情况......................................................................................................30 二、BJW 项目融资模式................................................................................