Commercial regulations are the basis of realizing the selfgovernance of the commercial industry and an important component of improving the rule of law in business. The theory and practice of absolutely denying the legal binding force of commercial regulations are not conducive to the construction of the rule of law in the market economy of our country. This paper divides commercial regulations into two basic types: formal commercial regulations and informal commercial regulations. The former is equivalent to commercial practice and is legally binding, and can be applied as a supplementary source of law, while the latter is different from commercial practice and is not legally binding. Through the theoretical explanation of the commercial law and the statistical analysis of cases, this paper expounds and demonstrates the classification significance of formal and informal commercial regulations, as well as the problems, solutions and corresponding countermeasures in the application of formal and informal commercial regulations. Under the background of the new social governance pattern and the establishment of civil code in the new era, this paper has important theoretical and realistic guiding significance.