Legal analysis: legal disputes. Because the system is not perfect, the operation is not standardized, and there are legal loopholes, it is easy to cause legal disputes. Once a lawsuit is filed, it is very likely to be in an unfavorable legal position. No matter what form it takes, the main purpose of operating risk makers is to occupy funds, and the consequences for rural credit cooperatives are capital losses and increased risks.

Legal basis: Article 186 of the Criminal Law of People's Republic of China (PRC), if a bank or other financial institution and its staff violate the provisions of laws and administrative regulations, neglect their duties or abuse their powers, and make loans to people other than related parties, thus causing heavy losses, they shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined between 10,000 yuan and 100,000 yuan; If the amount is especially huge or especially heavy losses are caused, he shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 20,000 yuan but not more than 200,000 yuan. Employees of banks or other financial institutions who issue loans to related parties in violation of state regulations shall be given heavier punishment in accordance with the provisions of the preceding paragraph. If a unit commits the crimes mentioned in the preceding two paragraphs, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding two paragraphs.