2. Engage in equity investment in violation of relevant state regulations, and use creditor's rights as the registered capital for capital verification and capital increase.

3. In violation of relevant state regulations, engaging in investment in stocks, futures and financial derivatives.

Risk prevention of credit business of commercial banks can be said to be the core content of legal risk prevention of the whole commercial bank, because credit business is the most important business among the three major businesses of commercial banks-assets, liabilities and intermediary business, and credit business is also the main risk faced by commercial banks at present. As a special business enterprise with high risk and high debt, commercial banks are faced with many risks, including market risk, exchange rate risk, management risk, moral hazard of cadres and employees, and of course, legal risk to be discussed today. Federal Reserve Chairman Ben alan greenspan famously said that commercial banks have operational risks. All business management activities of commercial banks are centered on risk prevention and risk control. This work can't be done well, and neither can commercial banks.