《商业银行法》的颁布实施,是我国金融体制改革和金融法制建设的一个里程碑。它标志着我国对银行业的监管和商业银行的运营开始步入法制化、规范化的轨道。 首先,制定《商业银行法》是我国金融体制改革的需要,经过十多年的改革,我国形成了以国有商业银行为主体,其他商业银行和外资银行并存,分工协作的银行组织 The promulgation and implementation of the “Commercial Bank Law” is a milestone in the reform of China’s financial system and the construction of the financial legal system. It marks the beginning of our country’s supervision of the banking industry and the operation of commercial banks into a legal and standardized track. First of all, the formulation of the “Commercial Bank Law” is a need for the reform of the financial system in our country. After more than a decade of reform, our country has formed a banking organization that takes the state-owned commercial banks as the main body and other commercial banks and foreign-funded banks coexist and the division of labor