Non-standard business is the abbreviation of "non-standardized creditor's rights assets" business, and it is a kind of bank investment banking business. Through a series of dazzling operations such as asset establishment, access and fund raising, banks complete the financing of specific objects with capital needs, and earn intermediary business expenses from them. The advantages of non-standard business of banks are that banks evade the restrictions of the central bank's loan policy, financing demanders get funds, and investors get much higher income than deposits; The disadvantage is that the risk is huge: once the financier has operational risks, the investor will lose everything. Because it is a non-standard business that is not under the supervision of the central bank, it cannot be guaranteed by law. In that case, we can only sue the financier.