The risks in the acceptance of commercial housing loans mainly lie in the following aspects: ① Whether the subject qualification of the loan applicant meets the relevant provisions of the Bank's Measures for the Administration of Commercial Housing Loans; ② Whether the materials submitted by the loan applicant are true and legal; ③ Whether the guarantee measures of the loan applicant are sufficient and effective; ④ The system of loan interview and loan contract signing has not been established and implemented; ⑤ Guide borrowers to fabricate plots to obtain loans. For banks, the risk of contract damage caused by the bank's (lender's) failure to keep the loan contract as required belongs to the risk in post-loan management. .