商业银行发放贷款时，未严格执行先落实抵押手续、后放款的规定，致使贷款处于无抵押的髙风险状态，此类风险事件属于（ ）类别。

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SQL Error: select id,body,options from ***_enewstiku where sourceid='26423' and id < 2207679 and id<>'2207679' order by id desc limit 5 SQL Error: select id,body,options from ***_enewstiku where sourceid='26423' and id > 2207679 and id<>'2207679' order by id asc limit 5