While the bad loans of commercial banks have shifted to "double increases" from “double decreases” which had maintained for nearly a decade, the worries of commercial banks towards the repayment risks of enterprise loans might have greatly undermined the directional liberal policies by decision makers. ANBOUND think tank scholars point out that how to correctly understand the risks of real economy, how to execute the directional liberal policies and the policies that may effectively reduce financing cost , have become the keys to effectively prevent the repayment risks of enterprise loans.