The biggest risk faced by banks in lending, taking credit cards and credit guarantee business is credit risk.
Market risk mainly refers to the risks brought by market fluctuations such as interest rate, foreign exchange and stock market.
Operational risk is the risk caused by employee negligence, technical error, weak internal control or system failure.
Liquidity risk is the risk that banks face in asset-liability management, which mainly means that banks can't get enough liquidity in time when paying short-term liabilities.
Strategic risk is due to the risks faced by banks in formulating strategies, expanding business and opening up markets.