The risk points in loan acceptance and investigation mainly lie in the following aspects: (1) Whether the subject qualification of the loan applicant meets the relevant provisions of the bank's personal education loan. (2) the authenticity of the materials submitted by the loan applicant. (3) For commercial student loans, whether the loan applicant's guarantee measures are sufficient and effective. (four) the system of loan interview and loan contract signing has not been established and implemented. (5) instructing the borrower to obtain a loan by fictional plot. Item A belongs to the risk of payment management, item C belongs to the risk of loan signing and issuance, and item E belongs to the risk of loan approval.