1. Introduction: Loans refer to loans issued by banks, credit cooperatives and other institutions to units or individuals who use money, with interest and repayment date generally agreed. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. By way of loan. Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments.
2. Risk: The emergence of loan risk often begins at the stage of loan review. From the disputes in the comprehensive judicial practice, we can see that the risks in the loan review stage mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
3. Interest rate: The benchmark interest rate is an interest rate with universal reference function in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference.