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1996年,金融体制改革已进入一个非常时期。《中央银行法》、《商业银行法》、《担保法》、《票据法》、《贷款通则》(试行)已相继出台并开始实施,政策性银行的建立使政策性业务从商业银行中分离,国有商业银行转轨正稳步进行。原有的金融机制和资金运作方法将被淘汰和更新,银行界面临着重大的变革和挑战。商业银行如何抓住机遇,转换经营机制,顺利地完成转轨,已成为当务之急。为此,作为商业银行,必须按市场经济的要求,在“四法一通则”的指导下,
In 1996, the financial system reform has entered a remarkable period. The Central Bank Law, the Commercial Bank Law, the Guarantee Law, the Notes Law and the General Rules for Loans (Trial Implementation) have been promulgated one after another and started to be implemented. The establishment of policy banks has separated the policy businesses from the commercial banks The state-owned commercial banks are steadily transitioning. The original financial mechanism and capital operation methods will be eliminated and updated, and the banking sector faces major changes and challenges. How to seize the opportunity of commercial banks, change their operating mechanism, and successfully complete the transition has become a top priority. To this end, as a commercial bank, it must follow the requirements of the market economy and under the guidance of the “four laws and one general rule”