1. Classification according to the nature of risks:

1. Default risk,

That is, the failure to repay due debts on time, resulting in damage to the corporate credit or even legal action The possibility of breaking up the lawsuit;

2. Moral hazard,

Mainly refers to the financing team’s personal reasons in the process of fund management, asset management, capital management and financing. The possibility of damaging the interests of the enterprise, such as extracorporeal circulation of funds, etc.;

3. Opportunity risk,

refers to the process of financing decisions and implementation of financing plans by financing enterprises, because The possibility of choosing one plan or opportunity and thereby losing other opportunities;

4. Legal risks,

In the process of designing and implementing financing plans, financing companies may violate regulations in certain aspects. , fraud or deception, leading to the possibility of violating criminal laws.

2. Classification according to the different destructive power of risks:

According to the different destructive power and spread size of risks, they can be divided into:

1. Local risks ,

That is, it will have an adverse impact on the short-term or partial interests of the enterprise, such as loss of expenses and damage to reputation;

2. System risk,

That is, it will affect The survival of the enterprise may cause major changes in the development direction of the enterprise, and the possibility of sustainable development being affected.

3. Classification according to different financing instruments:

This is also one of the most common risk classification methods. The risk level and risk performance of each financing instrument are different, including:

1. Medium and long-term loans, such as interest rate risk;

2. Foreign exchange financing, such as exchange rate risk;

3. Short-term fund lending, such as systemic risks;

4. Financing by overseas institutions, such as financing scams.

4. Classification according to the nature of financing:

1. Debt financing risks;

2. Equity financing risks.

5. Classification according to different stages of the capital process:

This classification method facilitates financing companies to adopt different risk control strategies at different stages of financing, according to the different nature of risks. Category:

1. Financing diagnosis and assessment stage, such as decision-making risks;

2. Finding financing channels stage, such as financing scams;

3. Fund utilization stage, such as liquidity risk;

4. Fund return stage, such as default risk and litigation risk.