Credit risk/lending risk is the risk that the borrower might be unable to repay borrowed funds due to insolvency. Which of the following statements is incorrect about contracts with credit risk?
选项：

A: The estimated amount at risk at any time during the lending period is usually identified with a degree of certainty
B: A loan or credit card usually has a definite maximum usage capacity, which can be assumed fully for the purpose of credit risk
C: In contractual agreements, only one party takes on lending risk
D: The value of the contract in the future, as viewed from the present, is relatively certain