以下贷款方式中，银行不用承担贷款风险的是（ ）。

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SQL Error: select id,body,options from ***_enewstiku where sourceid='25433' and id < 2142334 and id<>'2142334' order by id desc limit 5 SQL Error: select id,body,options from ***_enewstiku where sourceid='25433' and id > 2142334 and id<>'2142334' order by id asc limit 5