The Basic Problems Of Commercial Banks' Non - Standard Debt Financing Business Legislation

China GDP total global second level in2012, along with the Agricultural Bank ofChina (ABC) listed, the big five state-owned commercial banks to realize theinternationalization and marketization, the reform of financial market reform in Chinahas been from the main body of the market reform to the financial framework andfinancial products more deep. In20131quarterly show, profitability and scale fivebehavior first domestic commercial banks have encountered bottlenecks--an assetreturn rate (ROA) decreased, the rate of rise of non-performing assets, interest incomeand loan to deposit ratio to reduce differential regulation limit (70%). Commercialbank credit business of non conventional (non standardized bond) innovationespecially banks, credit products in transition to become the new favorites market. InMarch28,2013, the China Banking Regulatory Commission issued "on regulating thebanking business investment related issues notice" for non standardized credit assets,asset pool FOCAC standard proportion and scope of assets made the definition andrequirements clear.8, the introduction of market interpreted as the CBRC for shadowbanks, asset pool business measures. This paper aims at the reasons for the8wasintroduced, and effect of law enforcement, the role of Finance and put forwardrelevant suggestions to help finance development. Comparison of foreign legal legalprovisions for the same market similar products and the legislative principle,legislative blank in this field of our country should be legislative attempt to clearlegislative principles and how to fully research of the market.