But there will be mortgage risk: 1. From a practical point of view, the primary requirement of chattel mortgage for banks or financial institutions is to be quite familiar with the industry where the collateral is located and to be able to determine the real value of the collateral. But in reality, at present, domestic banks often lack experience in operation. 2. The key to inventory mortgage is to have good custody institutions and regulatory measures. Banks cannot manage movable property with strong liquidity. The most important movable property of an enterprise is often inventory and goods expected to be delivered. At present, China can only entrust intermediary agencies to manage inventory and contract goods, which not only increases the cost of banks, but also increases the risks of banks. Because the management level and credit of domestic intermediaries are not high at present.