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我国的《商业银行法》已正式实施一年了。实践证明，它的颁布和实施，在保障我国商业银行的正常运营、规范操作和防范信贷风险等方面起到了重要的作用。《商业银行法》要求商业银行贷款应当实行审贷分离、分级审批的制度，它既向发展中的各专业银行提出了一项新的重大课题，又
China’s “Commercial Bank Law” has been officially implemented for one year. Practice has proved that its promulgation and implementation play an important role in ensuring the normal operation of our commercial banks, standardizing operations and preventing credit risks. The Commercial Bank Law requires commercial banks to impose a system of separation and grading of approvals and levies on their loans. It not only raises a new major issue to the developing specialized banks,