1. Products or projects expressly prohibited by the state.

2. Violate relevant national regulations to engage in equity investments, using credit as registered capital verification and share increase.

3. Violate relevant national regulations and engage in investments in stocks, futures, financial derivatives, etc.

The issue of risk prevention in the credit business of commercial banks can be said to be the core content of the legal risk prevention of the entire commercial bank, because among the three major businesses of commercial banks - assets, liabilities and intermediary business, credit business is the most important Currently, credit business is also a major risk faced by commercial banks. As a special operating enterprise with high risks and high liabilities, a commercial bank faces many risks, including market risk, exchange rate risk, and management risk, including moral hazard of cadres and employees, and of course the legal risks to be discussed today. risk. Federal Reserve Chairman Alan Greenspan famously said: Commercial banks are business risks. All business and management activities of commercial banks revolve around risk prevention and risk control. If this work is not done well, commercial banks will not be able to run well.