according to the relevant provisions of the interim measures for the administration of personal loans issued by CBRC, the risk assessment of personal loans should be based on the analysis of the borrower's cash inflow, repayment ability and repayment willingness, and the loan review and risk assessment should be conducted comprehensively and dynamically by using qualitative and quantitative analysis methods. Loan review is a further review made by commercial banks on the purpose, purpose and operational rationality of enterprise loans on the basis of pre-loan investigation. There are three main points: ① ascertaining the facts. That is, the approver reviews the reasons and uses of loans provided by enterprises and loan officers, and correctly judges their nature. 2 master the policy. Mainly on the basis of the facts identified, according to the credit policy determined by the state and higher-level banks, it is finally determined whether to lend or not, whether to lend more or not. (3) determine the loan. It mainly determines the loan amount, repayment period, interest rate and loan method.

1. The loan risk is usually for the lender. From the lender's point of view, loan risk refers to the possibility of various losses faced by lenders in the process of operating loan business. The loan risk can be measured, and the loan risk can be measured. By comprehensively investigating some factors, the probability of the loan principal and interest being recovered on schedule can be calculated before or after the loan is issued. The so-called loan risk degree refers to the scale to measure the loan risk degree. The loan risk degree is a specific quantitative index that can be measured. It is usually greater than zero and less than 1. The greater the loan risk degree, the less likely it is to recover the loan principal and interest on schedule. On the contrary, the smaller the loan risk degree, the greater the possibility of recovering the loan principal and interest on schedule.

2. There are differences between loan risk and risky loan. The often-mentioned risk loan actually has two meanings: one refers to non-performing loans, that is, abnormal loans or problematic loans, and the recovery of loan principal and interest has been difficult or even impossible; The other refers to high-risk loans, such as science and technology loans. This kind of loan has great uncertainty in the recovery of principal and interest, and the lender may obtain greater benefits while taking on greater loan risks. Loan risk and credit risk are two concepts that are both related and different. Credit risk exists in all credit activities, not only in bank credit, but also in national credit, commercial credit, consumer credit and private credit. For lenders, credit risk is the most important, but besides credit risk, there are also interest rate risk, liquidity risk and inflation risk. Failure to repay the loan means that the principal and interest of a commercial bank can not be recovered or only a very small part can be recovered after all possible legal measures and all necessary legal procedures are taken. Non-repayment of loans is mostly caused by relationship loans or government-directed allocations or illegal lending by staff. It is the most serious non-performing loan, and it is often a loan that is doomed to bad debts when bank funds are allocated, so it should be resolutely decided.