《中华人民共和国商业银行法》（以下简称《商业银行法》）的颁布实施，对保护商业银行、存款人和其它客户和合法权益，规范商业银行的行为，保障商业银行的稳健运行，维护金融秩序，具有重要的现实意义和深远的历史意义。《商业银行法》第八十九条规定：城市信用合作社、农村 The promulgation and implementation of the “Commercial Bank Law of the People’s Republic of China” (hereinafter referred to as the “Commercial Bank Law”) protects the legitimate rights and interests of commercial banks, depositors and other clients, standardizes the behavior of commercial banks, ensures the steady operation of commercial banks, Order has important practical significance and far-reaching historical significance. Article 89 of the Law on Commercial Banks stipulates: urban credit cooperatives and rural areas