For lenders, the most important loan risk is credit risk, but besides credit risk, there are interest rate risk, liquidity risk and inflation risk.

To sum up, the credit management risks of rural credit cooperatives are mainly manifested in the following three aspects: First, the loan "three checks" system is a mere formality. Second, the legal awareness is weak, and the loan procedures are prone to defects. Third, the preservation of credit assets that have generated risks is not timely, the collection method is single, and the collection initiative is poor. It is impossible to take different collection measures in time according to the situation and miss the best collection opportunity.