This is a lie. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use funds, which is the use price of funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal. Review risk of microfinance: the risk of loan often begins at the stage of loan review. As can be seen from the disputes in the comprehensive judicial practice, the risks in the loan review stage mainly appear in the following links.

1. The content of the review omitted the loan examiners of the bank, which caused the credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and investigate the qualifications, qualifications, credit and property status of loan subjects.

2. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. In this way, it is difficult to identify fraud in loans and it is easy to cause credit risk.

3. Many wrong judgments are caused by the bank's failure to listen to experts' opinions on relevant contents or the professional judgment of professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts in legal and financial aspects. In practice, most loan review processes are not very strict and in place.

4. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it should examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.