从1978～1985年中央银行与专业银行政策性分立,1986～1994年《银行管理暂行条例》出台,银行业初步进入法制运行时期,1995～2003年《商业银行法》发布、银行商业化经营的渐次深入,到2004年至今国有银行改制和“一行三会”专业化监管分工。中国银行业经过三十年的改革发展,成功实现了由“大一统”银行体系向现代银行体系的历史性转变,适应市场化、国际 From 1978 to 1985, the Central Bank and the specialized banks were separated in their policies. From 1986 to 1994, the Interim Regulations on Banking Administration was promulgated. The banking industry entered the legal operation period. The Commercial Bank Law was promulgated from 1995 to 2003, and the bank commercialized Gradually deepening, until 2004, the state-owned bank restructuring and “one line of three will ” specialized supervision division of labor. After thirty years of reform and development, China’s banking sector has successfully realized the historic transformation from the “unification” banking system to the modern banking system, the adjustment to market-oriented, international