There are many reasons why banks adjust interest rates on loans. In addition to increased risks, they can also be caused by factors such as adjustments in the direction of business types, insufficient own liquidity of credit funds, profit task indicators and other factors. If banks only raise short-term loan rates for individual companies, it is certainly not a systemic risk. If a bank raises short-term loan interest rates for all or most companies, I think it is not a systemic risk. If a systemic risk occurs, it will be difficult for banks to control it, and it is what banks are most worried about. The usual approach is to withdraw from the system's business or to raise admission standards. If only short-term loan interest rates are raised, but mid- and long-term interest rates and access conditions are not improved, then this approach is considered relatively loose and not suitable for preventing systemic risks. And if corporate loans increase short-term loan interest rates regardless of industry, then it is not targeting a specific system. Therefore, I think it should be classified as a non-systemic risk.