1, market risk. Because the rural market information is blocked, it is difficult for the production of many agricultural products to keep up with the changes in market demand. In the process of connecting small-scale production with large market, agricultural products production and marketing enterprises have an incorrect grasp of market information, which is directly related to the realization of agricultural products sales value. Once there is a misjudgment, its impact and consequences will adversely affect our bank, enterprises and farmers.

2. Scale risk. Small scale and industrialization, weak ability to resist risks. The development of modern agriculture in county towns is family-oriented.

3. Catastrophic risk. There are force majeure factors in natural disasters, especially sudden natural disasters, which cause the greatest losses and sometimes even devastating blows to agricultural production projects. The object of agricultural loan support services is enterprises that mainly focus on agricultural production and marketing projects, mostly planting and planting, which is greatly restricted by the natural environment. Once natural disasters directly threaten the safety of funds for supporting agriculture, the loans invested in supporting agriculture cannot be recovered on schedule and will face the risk of loss.

4. Credit risk. There are many sources of credit risk of agricultural loans, which are mainly divided into two categories: the first category is that enterprises have problems in their performance. The repayment of agricultural loans is generally achieved by obtaining income from agricultural production and operation, selling agricultural and sideline products or borrowing funds by other means. Therefore, the income of the borrowing enterprise is directly related to the safety of the loan funds. The second category is that there is something wrong with the borrower's willingness to perform, which is mainly determined by his personality. This requires that the borrowing enterprise must be honest and credible, be conscientious in production and operation, and take the initiative to assume various obligations and responsibilities.