yes. As a financial practitioner, lending to others does have certain risks. These risks include credit risk. If the borrower's credit status is poor, he can't repay the loan on time, which will lead to losses. Before issuing loans, it is necessary to evaluate the borrower's credit to reduce this risk. Interest rate risk. Interest rate fluctuations affect the return on investment. If the market interest rate rises, the fixed-rate loans that have been issued cannot obtain higher returns.