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《中华人民共和国商业银行法》明确规定:商业银行的分支机构不具有法人资格,在总行授权范围内依法开展业务,其民事责任由总行承担;总行对其分支机构实行全行
The Commercial Bank Law of the People’s Republic of China clearly stipulates that: Branches of commercial banks do not have legal personality and conduct business according to law within the authority authorized by the head office. Their responsibilities shall be borne by the head office;