问答题 Credit risk or the failure of a counterpart that the bank faces applies not only to loans, but also to other on-and-off-balance sheet exposures such as guarantees, acceptances and securities investments.
【正确答案】
【答案解析】银行面对的信贷风险，即当事人不能完全履行合同的风险，不只出现在贷款中，而且发生在担保、承诺和证券投资等表内、表外业务中。