1, credit default risk of bank mortgage;

2. Risk of mismatch of mortgage term;

3. Lender of last resort risk.

4. Legal risks;

5. This makes it more difficult for the central bank to supervise money and credit;

6. The risk of personal credit information being abused;

7. Information asymmetry and information transparency;

8. Technical risks.

legal ground

Article 9 of the Interim Measures for the Administration of Personal Loans

The lender shall establish a reasonable control mechanism for the ratio of the borrower's income to debt repayment, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each period not to exceed its repayment ability.

Article 242

If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution from the relevant units. The people's court has the right to seal up, freeze, transfer or change the price of the property of the person subjected to execution according to different circumstances.