1, financial credit risk. That is, the loan risk is usually manifested as the risk that the borrower cannot repay the loan according to the time limit and conditions stipulated in the loan contract.
2. Commercial credit risk. Commercial credit is a kind of deferred payment purchase behavior, which shows that the seller borrows money from the buyer first, and the buyer repays it according to the date, amount and other conditions agreed in the sales contract. The risk that the buyer cannot repay the loan according to the date, amount and other conditions agreed in the sales contract is commercial credit risk.
3. Credit risk of prepayment. Prepaid credit is to obtain a commodity, technology or service through payment or deposit. The credit risk of advance payment is the risk that goods, technology or services cannot be obtained according to the agreed conditions after paying the advance payment or deposit.
4. Guarantee credit risk. Because the debtor can't perform the obligations stipulated in the contract on time and deliver the agreed goods, technology or services to the creditor, the guarantor has to bear the risk of performing such obligations.
5. Credit risk. The risk that the employer pays wages, salaries or other forms of remuneration to employees, and the employees cannot provide services and fulfill their obligations as stipulated in the contract.