作为主要从事国家和政府指定金融业务的金融机构,政策性银行在我国经历了长期的探索过程。文章准确认识政策性银行的社会作用,分析其运营问题和法律规制的必要性,借鉴外国立法经验,提出我国政策性银行的法律规范制度设计。 As a financial institution principally engaged in the designated financial businesses of the state and the government, policy banks have undergone a long-term exploration process in our country. The article has an accurate understanding of the social role of policy banks, analyzes the operational problems and the necessity of legal regulation, and draws lessons from the experience of foreign countries to put forward the design of the legal system of policy banks in our country.