PAGE\*MERGEFORMATI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PAGE\*MERGEFORMATIIITheriskmanagementofcommercialbanksunderPPPmodeABSTRACTLocalgovernmentshavealreadyshoulderedheavyfinancialburdentomeettheneedsofeconomicdevelopmentinthedownturnperiodandthefinancialneedsofmunicipalconstructionintheprocessofurbanization.Theyurgentlyneedtoobtainfinancialsupportthroughothermeans.CommercialbanksparticipatinginPPPprojectscannotonlyprovidefinancialsupportfortheproject,butalsoproviderelatedfinancialproductsandservices.However,PPPprojecthasmanycharacteristics,suchasmanyparticipants,complexrelations,largescaleoffinancing,longreturntime,andthelegalrisk,governmentrisk,privatesectorrisk,projectfeasibilityofPPPprojectmaybringlossestocommercialbankfunds.Therefore,itisparticularlyimportanttostudytheriskmanagementofcommercialbanksunderPPPmode.Throughtheanalysis,itisfoundthatPPPprojecthasabroadandbeautifulmarketinChina.However,China'sPPPprojecthasnotbeenabletoformasoundlegalsystemtosupport,commercialbankshavenotbeenabletoestablishasoundriskpreventionandcontrolsystemforPPPprojects,governmentdepartmentsandtheprivatesectorarenotstrongintheirresponsibilitiesandobligationswhenparticipatinginPPPprojects,PPPprojectsarealsofacingmorepotentialrisksduetothelongcontractperiod.。Therefore,commercialbanksshouldstrengthenthepre-loanreviewandpost-loaninspectionofPPPprojects,activelycommunicatewiththegovernment,establishPPPprojectriskmanagementsystem,rationallyestablishagreementterms,strengthenthetrainingofprofessionalpersonnel,innovatefinancialproducts,andprovidehigh-qualityse