Credit refers to the form of value movement on the condition of repayment and interest payment. It usually includes credit activities such as bank deposits and loans. In a narrow sense, it only refers to bank loans, which is the same as "credit" in a broad sense. Credit is an important form of paid mobilization and allocation of funds in socialist countries and a powerful lever for economic development.

Credit is the borrowing behavior between different owners that reflects a certain economic relationship. It is a special form of value movement on the condition of repayment. It is a credit activity in which creditors lend money and debtors repay and pay certain interest on time.

Credit can be divided into broad sense and narrow sense. Credit in a broad sense refers to the general name of credit activities with banks as the intermediary and deposits and loans as the main body, including deposits, loans and settlement business. Credit in a narrow sense usually refers to bank loans, that is, the issuance of monetary funds with banks as the main body.

The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.

(1) omitted the review. The bank's loan examiner failed, causing credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial organizations will cause a lot of capital losses and bad debts.

(2) No due diligence. In practice, loan examiners often only pay attention to the identification of documents, but lack due diligence, so it is difficult to identify fraud in loans and cause credit risks.

(3) misjudgment. Banks did not listen to experts' opinions on relevant contents, or made professional judgments by professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects.

Credit is the borrowing behavior between different owners that reflects a certain economic relationship. It is a special form of value movement on the condition of repayment. It is a credit activity in which creditors lend money and debtors repay and pay certain interest on time. (gain income by transferring the right to use funds). Credit can be divided into broad sense and narrow sense. Credit in a broad sense refers to the general name of credit activities with banks as the intermediary and deposits and loans as the main body, including deposits, loans and settlement business. Credit in a narrow sense usually refers to bank loans, that is, the issuance of monetary funds with banks as the main body.