The risk is due to CCB's commitment to finance. There is no legal act of justice and no legal act of commitment, so there are risks. Generally, CCB promises to have the official seal of CCB or the announcement of CCB as a letter of commitment. If not, the risk is great. CCB generally needs the real identity information of customers to handle business, and will issue relevant certificates in the future.

Two, the main risks of commercial banks issuing loan commitments are

For commercial banks, with the increase of the deviation between the market interest rate and the set interest rate, the promised party actually bears all the market risks (including the exchange rate risk when lending in foreign currency), and the risks may be infinite, while the income is limited to the loan commitment fee paid according to a certain proportion or a fixed amount.

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Three, _ _ _ is the primary risk for commercial banks to issue loan commitments.

B

Four. Matters needing attention in loan commitment letter

Loan commitment refers to the commitment of commercial banks and other financial institutions to provide loans to the promise holders (potential borrowers) within a certain period of time with certain terms and conditions. As a credit tool, loan commitment risk generally needs to bear two kinds of financial risks: one is credit risk, which is directly related to the repayment ability and willingness of potential borrowers. The credit risk of loan commitment almost comes from potential borrowers; The second is market risk, which is widely related to adverse changes in market conditions, including changes in interest rates, exchange rates and prices. However, for the loan commitment, only when one party has positive market value can it breach the contract, because this value represents the expected loss or cash outflow obligation. From an economic point of view, loan commitment has the characteristics of options. According to Article 3 of the Provisions on the Administration of Loan Commitment: 3. 1 The loan commitment business mentioned in these Provisions refers to the formally binding agreement reached between the bank and the loan applicant. During the effective commitment period, the bank is prepared to provide loans according to the requirements of the applicant, and has the right to charge the commitment fee from the loan applicant. 3.2 At present, the Bank only accepts revocable loan commitments, that is, during the commitment period of the Bank, if the applicant for loan commitments fails to fulfill the relevant terms, the Bank can revoke the commitments. 3.3 The applicant only puts forward suggestions (or construction plans, the same below) for loans for fixed assets projects that have not been officially approved by the state-owned departments. When initially approving the loan, Dandong Bank may provide a loan letter of intent from Dandong Bank, indicating only the loan intention, and may not stipulate the loan amount and liability terms. 3.4 For the project officially approved by the national competent department, and the applicant has completed the feasibility study report of the project, Dandong Bank can provide a loan commitment letter after investigation, evaluation and approval of the loan.