Abstract: In order to study the risk causes of the mortgage-backed loans of the commercial banks to enterprises,this article analyses its manifestation and the related cases.The results showed that.such risk causes attributed to the commercial banks and its customers,as well as the unclear legal requirements,the complicated procedures of the right montage realization, and the lack of the consistent provisions on the disclosure of the guarantee registration information,etc.Therefore,it is necessary to perfect the guarantee law and reduce the risks of the mortgage-backed loans fundamentally.