中文摘要
受产业结构调整、发展集约型经济、加强供给侧改革等政策影响，国内经济逐渐
步入新常态，过剩产业加速出清，社会融资量得到有序控制。但是，对于商业银行而
言，这种经济结构的调整对依赖传统贷款业务生存的银行造成了较大的冲击。例如，
不良贷款率急剧增加、贷款量逐年缩减。商业银行要想实现可持续发展，必须要有新
的贷款模式，推出能够顺应市场需求的优良贷款项目。此外，受限于传统融资平台的
融资模式单一、融资供给不足，地方政府在基础设施建设的过程中依然存在着融资困
难的问题。在此背景下，PPP模式应运而生，在这种模式里，政府部门和社会资本方
形成一种具有相互合作关系的契约形式，被证实为是可靠的资金补充途径。PPP模式
中并存收益与风险，这也是其很难在商业银行中普及的重要原因。为扩大 PPP模式
在商业银行中的普及率，应加强对风险的分析，并总结出相应的控制措施，是当前学
术界的研究方向。
本文共分为六大部分。第一部分是阐述了选题背景及其研究意义，并整理出了行
文脉络与研究思路。第二部分阐述了PPP模式的相关概念与理论基础。第三部分，引
入案例，结合信贷风险分析和管理的标准流程，在对X草原生态修复项目做了简要介
绍之后，对案例进行研究，并对案例进行了风险分析与评估。第四部分，针对研究过
程中发现的问题，结合国内成熟优秀案例，得到了诸多启示，如完善银行风险管理体
系，加强对PPP项目融资的风险管理等，希望可以带动各商业银行对PPP项目贷款的
参与热情。第五部分为ED商业银行在PPP项目贷款办理过程中存在的风险问题，并
提出相应的风险防范措施。第六部分为结论与展望。
PPP项目是市场需求的产物，为改善商业银行项目贷款的质量，提升业务水准，
应当总结各国成功经验，立足我国国情，给出可靠的防范风险发生的建议。
关键词：商业银行；PPP项目；项目贷款；风险研究

ABSTRACT
Under the influence of policies such as industrial restructuring,
developing an intensive economy and strengthening supply-side reform,
the domestic economy has gradually stepped into a new normal, with
excess industries being cleared at an accelerated pace and the amount of
social financing under orderly control. However, for commercial banks, the
adjustment of economic structure has a great impact on those banks that
rely on traditional loan business to survive. For example, the non-
performing loan ratio increased sharply and the loan volume decreased
year by year. In order to achieve sustainable development, commercial
banks must have a new loan model and launch excellent loan projects that
can meet the market demand. In addition, limited by the single financing
mode and insufficient financing supply of traditional financing platforms,
local governments still face financing difficulties in the process of
infrastructure construction. In this context, THE PPP model emerges at the
right moment. In this model, government departments and social capital
form a contract form of mutual cooperation, which has been proved to be
a reliable way of capital supplement. PPP model has both benefits and risks,
which is also an important reason why it is difficult to be popularized in
commercial banks. In order to expand the popularity of PPP mode in
commercial banks, the author believes that risk analysis should be
strengthened and corresponding control measures summed up, which is the

research direction of the current academic circle.
This paper is divided into six parts. The first part is to elaborate the
background of the topic and its research significance, and sort out the
context of the writing and research ideas. The second part expounds the
relevant concepts and theoretical basis of PPP model. The third part
introduces the case, combines the standard process of credit risk analysis
and management, makes a brief introduction of X grassland ecological
restoration project, studies the case, and carries out risk analysis and
assessment of the case. In the fourth part, according to the problems found
in the research process and combined with the mature and excellent
domestic cases, many inspirations are obtained, such as improving the bank
risk management system, strengthening the risk management of PPP
project financing, etc., hoping to drive the enthusiasm of commercial banks
to participate in PPP project loans. The fifth part is the risk problems of ED
Commercial Bank in the process of PPP project loan processing, and puts
forward the corresponding risk prevention measures. The sixth part is the
conclusion and prospect.
PPP projects are the product of market demand. In order to improve
the quality of commercial bank project loans and enhance business
standards, successful experience of various countries should be
summarized and reliable risk prevention suggestions should be put forward
based on China's national conditions.
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