According to my experience in the provincial industrial economic management department, there are three main risks in bank loans during the economic downturn. First, in the case of macroeconomic depression, loan enterprises often have difficulties in their own operations and are prone to losses, resulting in inability to repay principal and interest and loans are difficult to recover. Second, some business owners with weak sense of responsibility, taking advantage of the economic downturn, obviously have the ability to repay loans, but deliberately "rely" on bank loans, which are difficult to recover. Third, during the economic downturn, some unscrupulous business owners cleverly figured out ways to use policy loopholes to "go bankrupt" and use policy loopholes to escape loans, making it difficult to recover loans.