Market risk and credit risk are two fundamental concepts in financial risk management. Could you explain the key differences between them and provide a practical example to illustrate?

在金融风险管理中，市场风险和信用风险是两个最基本的风险类别。请你阐述一下市场风险和信用风险的主要区别，并尝试给出一个实际的例子来辅助说明。