Legal analysis: 1. The risk of breach of contract, that is, the possibility of failing to repay the due debts on time, which will damage the credit of the enterprise and even cause legal litigation; 2, moral hazard, mainly refers to the financing team in the process of fund management, asset management, capital management and financing, due to the personal reasons of the enterprise team, the possibility of damaging the interests of the enterprise, such as extracorporeal circulation of funds; 3, opportunity risk, refers to the financing enterprise in the process of financing decision-making and financing scheme implementation, because choose a scheme or opportunity, thus losing the possibility of other opportunities; 4, legal risk, financing enterprises in the process of financing plan design and implementation, due to some aspects of illegal, fraudulent or deceptive behavior, leading to the possibility of breaking the criminal law.

legal basis: article 3 of the general principles of loans: the issuance and use of loans shall conform to the laws and administrative regulations of the state and the administrative regulations issued by the people's bank of China, and shall follow the principles of efficiency, safety and liquidity.