1, information asymmetry. The bank broke the contract and refused to renew the loan, indicating that it did not get real information from the bank. The asymmetry of information is the key risk of the bank's bridge-crossing business.

2. Blind trust in bankers. This kind of trust is most easily used by banks. Many companies have problems, all of which are blind trust in banks.

3. Policy. If the country's liquidity is tight, the bank's funds will be tightened and the lending threshold will be raised. Banks will be forced not to renew loans for some customers whose loans are due. However, in order to ensure customers' repayment, banks often make promises to renew loans orally or in other forms, and refuse to renew loans for one reason after customers repay.

The bank suspended the loan. The biggest risk of bank bridge business is that banks no longer provide loans. It was originally agreed that the bank would continue lending as long as it paid back the money, but the bank changed its mind. This is also the success of Cai in TV series. However, in the real scene, there are simply too many such things. Originally, before the repayment, the bank wished that it could not swear to God that it would be able to refinance as long as it was repaid. However, the enterprise went through a lot of hardships, and the bank immediately changed its face and gave up. Great, the enterprise is stupid, how can it be returned to the middleman? Didn't you agree with the bank to be each other's angels?

5. Bear high interest. Generally speaking, the interest of bank bridge-crossing business is calculated on a daily basis, because the use of bridge-crossing funds will not exceed 10 days. After all, the bridge crossing business is a "temporary turnover" business. If once the bridge fails, the enterprise cannot pay back the money in a short time, then it must bear high interest. We assume that the daily interest rate is 1.5% and the monthly interest rate is 18%. If the company can't get money within three months, then such interest will also crush the company. However, this is not the only troublesome thing.

Our business process in bridge loan is as follows:

1. When the borrowing enterprise applies for a loan, the lending bank issues a conditional loan commitment letter to the borrowing enterprise;

2. Investigate the authenticity of the loan approved by the bank;

3. The loan banking department conducts a credit survey on the loan enterprise, finds out the reasons why the enterprise can't repay the loan on time, and writes an investigation report;

4. The bank reports the expected operation process of the transaction;

5. The bank approves the business and returns the approval form to the business center after approval;

6. The undertaking business marketing center and the borrowing enterprise sign the entrustment notarization;

7. The borrower provides a blank check to prove the use of funds and excess funds;

8. The bank signs an entrusted loan agreement with the borrower;

9. Relevant enterprises and personnel provide joint and several liability guarantee;

10, bank loan.