Very high, there are two main risks:
First, the loan cost is high. The cost of corporate loans is mainly reflected in interest and handling fees. Compared with banks, corporate loans charge fees, and the interest is several percentage points higher than bank loans.
Second, there are many fraudulent companies. There are many companies and many lawbreakers. They use the means of paying before lending, but such risks are controllable, and people must keep their eyes open when lending to companies.
Second, is it risky to find a loan from a small loan company?
Non-species risk:
First, the cost of loans is mainly reflected in interest and handling fees. Compared with banks, corporate loans charge fees, and the interest is several percentage points higher than bank loans.
Second, there are many fraudulent companies. There are many companies and many violators, which is beneficial, but such risks are controllable, and people must keep their eyes open when lending to companies.
My friend wants to borrow money from my bank. What are my risks?
There are two possibilities for him to do so:
1, let you do the guarantee. If he doesn't pay back the money, he wants you to. So please seriously consider whether this friend is worthy of your guarantee for this person.
2. Let you apply for a loan in your name without knowing it. This money is directly from you. As for what kind of situation, you can see which document you signed when the loan was approved. If you sign a loan contract, you apply for a loan in your name. If you are asked to sign a joint loan or guarantee, you will be asked to guarantee him. Either way, I think you should think about whether this friend is worth paying for him. Because if he doesn't pay back the money, he wants you to.
4. What are the risks?
The risks of microfinance are different for customers and lenders.
For lenders, the biggest risk of micro-credit loans is credit risk, which is divided into two categories, one is repayment willingness and the other is repayment ability. Willingness to repay means that the customer has the ability to repay, but is unwilling to repay; Repayment ability refers to the economic ability not to repay the loan.
For customers, the biggest risk of micro-credit loans is also credit risk, but it is mainly reflected in repayment ability. Generally speaking, the interest rate of micro-credit loans is very high compared with other loans, and it is normal that the interest rate is above 10%. It is difficult for customers to obtain the income higher than the loan interest rate through the use of loan funds after the loan, which directly affects the repayment ability. If you get a small credit loan through a regular bank, non-repayment will directly affect your credit history.
The rest of the non-bank microfinance can be regarded as private financing to a certain extent, and the interest rate is much higher than that of bank microfinance, similar to.