Credit risk : this product is mainly invested to two large - scale state - owned group companies as the trust financing project , so the customers may be faced with the risks of the credit default of the borrowers of the trust financing project and the risks of the joint and several liability of the guarantors who fail to perform the guarantee 信用风险:本产品主要投资对象为两家大型国有集团公司的信托融资项目,客户面临信托融资项目借款人信用违约,并且担保人也没有履行连带担保责任的风险。