Legal analysis: Only implementation and compliance, relevant cooperation and supervision can be realized. No matter how detailed and specific the conditions are, it is still zero if they are not put in place. There are too many examples of losses in practice. If you meet a merchant you don't trust or an organizer who has no confidence in your management ability, the common methods are to increase the proportion of self-owned funds, make the repayment plan more compact (accelerate repayment, for example, settle the principal and interest when the sales amount reaches 50%, and the frequency is required faster), and limit the sales return to a certain proportion (some organizations don't require it, and some account for 65,438+00% or 20% of the total investment). , and the lower the tighter). It is also allowed, but stricter application conditions will be set, and the level of audit requirements will be raised by one level. Supervision account is a common means of project loan risk control at present. Practice has proved that if a person is reliable and can control it, its role is still great and it is an important starting point.

Legal basis: Interim Measures for the Administration of Fixed Assets Loans

Article 5 Lenders shall improve the internal control mechanism, implement the whole process management of loans, fully understand the information of customers and projects, establish a risk management system for fixed assets loans and an effective post balance mechanism, assign the responsibilities of all aspects of loan management to specific departments and posts, and establish a post assessment and accountability mechanism.

Article 6 The lender shall bring the fixed assets loan into the unified credit line management of the borrower and the group customers to which the borrower belongs, and establish the risk limit management system of the fixed assets loan according to the dimensions of region, industry and loan type.

Article 7 The lender shall agree with the borrower on a clear and legal purpose of the loan, and inspect and supervise the use of the loan according to the agreement to prevent the loan from being misappropriated.