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一、构建良好法律环境对商业银行依法、有序运营的必要性随着我国社会主义市场经济的确立、金融体制改革不断深化,专业银行逐渐向国有商业银行转轨。市场经济就是法制经济,因此,建立健全的法律体系,构建良好的法律环境对商业银行的经营管理很有必要:(一)良好的法律环境是商业银行运营安全性的有效保证众所周知,商业银行的主要资金来源是企事业单位和居民个人的存款,商业银行有责任保证客户存款的安全,并按期偿付存款本息。但是,商业银行必须通过贷款等形式将资金运用出去,才能实现资金的良性循环,而商业银行在其资金运用中,除了库
I. The Necessity of Establishing a Good Legal Environment for the Legal and Orderly Operation of Commercial Banks With the establishment of China’s socialist market economy, the reform of the financial system has been deepening and specialized banks have gradually shifted to state-owned commercial banks. The market economy is the legal economy. Therefore, establishing a sound legal system and building a good legal environment are necessary for the operation and management of commercial banks: (1) A good legal environment is an effective guarantee for the operational safety of commercial banks As we all know, commercial banks The main source of funds is the deposits of enterprises, institutions and individual residents. Commercial banks have the responsibility to ensure the safety of customer deposits and repay the principal and interest of deposits on schedule. However, commercial banks must use funds in the form of loans to go out in order to achieve a virtuous circle of funds, and commercial banks in the use of funds, in addition to the library