小议金融法律法规在基层行处的实施樊继龙，于恒兵《人民银行法》、《商业银行法》已施行多日，《票据法》、《担保法》也即将施行，而有关资料表明，基层银行仍有许多违法违章现象，我们认为金融法律的全面实施是一个系统工程，在基层行处的实施还必须解决一些具体问题。... On the implementation of financial laws and regulations at the grass-roots level Fan Jilong, Yu Hengbing “People’s Bank Law”, “Commercial Bank Law” has been implemented for many days, “Notes Law”, “Guarantee Law” will soon be implemented, and relevant information shows that, There are still many illegal and law-breaking behaviors in grassroots banks. In our opinion, the full implementation of financial laws is a systematic project. The implementation of grass-roots banks must also address some specific issues. ...