Banker's loan is the bank's personnel loan, that is, the internal employees working in the bank make loans. Many commercial banks have low-interest preferential policies for internal employee loans, that is, banker loans. However, Article 40 of China's "Commercial Bank Law" clearly stipulates: "Commercial banks shall not issue credit loans to related parties, and the conditions for issuing secured loans to related parties shall not be better than those for similar loans of other borrowers." Among them, related parties include directors, supervisors, managers, credit business personnel and their close relatives of commercial banks. Banks provide low-interest loans to internal employees, which is actually in conflict with the legal system. Low-interest loans issued by banks to internal employees, whether they are consumer loans in credit loans or mortgage loans under secured loans, violate the relevant provisions of the Commercial Banking Law and the principles of financial market economy.