Large-caliber personal loan is a kind of personal loan product with high risk. Usually, the amount of such personal loans is very high, often ranging from hundreds of thousands to millions, but it also needs to pay high interest rates and extra fees. In addition, large-caliber personal loans often have no mortgage guarantee, and lenders will not supervise the use of loans, which increases the risk of overdue default and fraud by lenders. Limited by these defects, many large-caliber personal loans will face serious stigma and supervision problems.

because the interest rate of large-scale personal loans is generally high, some borrowers will cover up the real financial situation of individuals and families when lending, and the lenders have not fully examined them, which leads to higher loan risks for some borrowers. When loans overdue or default occurs, this risk will eventually fall on the lender.

To avoid the risk of the lender, the borrower should rationally evaluate his repayment ability and choose the appropriate loan product. For the lender, it should be supervised according to the real situation of the borrower and the purpose of the loan to avoid the expansion of personal loan risk.