Does some know about risk management related to CD secured loans?

Hi , i am currently doing some research and i would like to know what should be the policies regarding CD secured loans and the refinancing of these type of loans from the point of risk management. How many times should someone be allowed to refinance CD secured loans , any info or literature regarding this from a bank"s and/or risk management point would be incredibly helpful. Thanks!!

My names is Mary Smith. I saw your question in yahoo answer

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Tell him Mary Smith referred you to him that he gave her a

loan sometime ago. Good luck,
Mary Smith