目前各国家、地区或国际金融组织对银行业、银行业金融机构的界定没有明确、统一的标准。在银行业修法迫近之际,本文提出了从负债方界定中国银行业金融机构的初步设想,并阐述了这一构想的重要意义。 At present, there is no clear and uniform standard for defining the banking and banking financial institutions of various countries, regions or international financial organizations. As the banking practice approaches, the paper proposes a tentative plan to define China’s banking institutions from the side of indebted parties and expounds the significance of this concept.