First of all, it must be the buyer of the contract; Secondly, if the financing company refuses to pay, the buyer has the responsibility and obligation to ask the financing company to pay; If the payment is not made after the buyer's request, the buyer will pay by himself. Besides, if the buyer and the financing company don't pay, they will have to go to court.

Regarding risks, it still depends on the credibility of the partners, and the responsibilities and obligations are clearly defined before signing the contract.