(2) Characteristics of personal business loans: ① Short loan term. Generally, it does not exceed 3 years, and the longest loan period can be 5 years for particularly high-quality customers. (2) Loans have diverse uses and complicated influencing factors. Due to many uncertain factors, such as macro-environment, industry prosperity, enterprise's own operating conditions and so on, the loan uses are diverse and the influencing factors are complex. ③ Risk control is difficult. In addition to understanding the borrower's own situation, banks also need to have a detailed understanding of the enterprise operated by the borrower and control the capital operation of the enterprise to ensure that it will not be misappropriated. This is more difficult for banks to control risks.

(3) Main risk points of personal business loan: whether the loan investment conforms to the national industrial policy, whether the borrower's business entity has business risks, and whether the loan purpose conforms to the regulations.