Legal analysis: 1, the risk of default, that is, the possibility of failing to repay the due debts on time, will damage the credit of the enterprise and even cause legal proceedings; 2, moral hazard, mainly refers to the financing team in the process of fund management, asset management, fund management and financing, due to personal reasons of the enterprise team, the possibility of damage to the interests of enterprises, such as extracorporeal circulation of funds; 3, opportunity risk, refers to the financing enterprise in the process of financing decision-making and financing scheme implementation, because choose a scheme or opportunity, thus losing the possibility of other opportunities; 4, legal risk, financing enterprises in the process of financing plan design and implementation, due to some aspects of illegal, fraudulent or deceptive behavior, leading to the possibility of breaking the criminal law.
Legal basis: Article 3 of the General Principles of Loans: The issuance and use of loans shall comply with national laws, administrative regulations and management regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity.