个人信贷的风险来自三个方面 :借款人、借款用途、保证抵押措施 ,下面分别对其信贷风险控制予以阐述 :1 .关于借款人风险个人信贷的风险最终来源于借款人不能按期还款 ,因此针对借款人的风险状况 ,应从以下几方面进行防范 :加强对借款人自身的审查 ;对借款人的第一还款来源的水 The risk of personal credit comes from three aspects: the borrower, the use of the loan and the guarantee of the mortgage. The credit risk control will be described separately as follows: 1. About the risk of the borrower The risk of the personal credit comes from the borrower can not repay the loan on schedule In view of the borrower’s risk status, precautions should be taken in the following aspects: to strengthen the review of the borrower itself; for the borrower’s first repayment source of water