中华人民共和国商业银行法

Law of the People's Republic of China on Commercial Banks

（１９９５年５月１０日第八届全国人民代表大会常务委员会第十三次会议通过１９９５年５月１０日中华人民共和国主席令第四十七号公布  自１９９５年７月１日起施行）

(Adopted at the 13th Meeting of the Standing Committee of the Eighth National People's Congress on May 10, 1995, Promulgated by Decree No. 47 of the President of the People's Republic of China on May 10, 1995)

目  录

Contents

第一章  总  则

ChapterI - General Provisions

第二章  商业银行的设立和组织机构

ChapterII - Establishment and Organization of Commercial Banks

第三章  对存款人的保护

ChapterIII - Protections for the Depositors

第四章  贷款和其他业务的基本规则

ChapterIV - Basic Rules Governing Loans and Other Businesses

第五章  财务会计

ChapterV - Finance and Accounting

第六章  监督管理

ChapterVI - Supervision and Management

第七章  接管和终止

ChapterVII - Take-Over and Termination

第八章  法律责任

ChapterVIII - Legal Liabilities

第九章  附  则

ChapterIX - Supplementary Provisions 

第一章  总  则

Chapter I General Provisions

第一条  为了保护商业银行、存款人和其他客户的合法权益，规范商业银行的行为，提高信贷资产质量，加强监督管理，保障商业银行的稳健运行，维护金融秩序，促进社会主义市场经济的发展，制定本法。

Article 1 This law is formulated to protect the legal rights and interests of the commercial banks, depositors and other clients, standardize the behaviors of the commercial banks, improve the quality of loan assets, strengthen the supervision and management and thus ensure the sound and stable operations of the commercial banks, safeguard financial order and promote the growth of socialist market economy.

第二条  本法所称的商业银行是指依照本法和《中华人民共和国公司法》设立的吸收公众存款、发放贷款、办理结算等业务的企业法人。

Article 2 Commercial banks referred to in this law are those enterprise legal persons which are established to absorb public deposits, issue loans, arrange settlement of accounts and engage in other businesses in accordance with this law and the "Company Law of the People's Republic of China".

第三条  商业银行可以经营下列部分或者全部业务：

Article 3 Commercial banks may have the following businesses in part or in whole:

（一）吸收公众存款；

(1) Absorb public deposits;

（二）发放短期、中期和长期贷款；

(2) Issue short-term, medium-term and long-term loans;

（三）办理国内外结算；

(3) Arrange settlement of both domestic and overseas accounts;

（四）办理票据贴现；

(4) Handle the discount of negotiable instruments;

（五）发行金融债券；

(5) Issue financial bonds;

（六）代理发行、代理兑付、承销政府债券；

(6) Issue, cash and sell government bonds as agents;

（七）买卖政府债券；

(7) Buy and sell government bonds as agents;

（八）从事同业拆借；

(8) Do inter-bank lending and borrowing;

（九）买卖、代理买卖外汇；

(9) Buy and sell per se or as agents foreign exchanges;

（十）提供信用证服务及担保；

(10) Provide letter of credit (L/C) service and guarantee;

（十一）代理收付款项及代理保险业务；

(11) Handle receipts and payments and insurance businesses as agents;

（十二）提供保管箱服务；

(12) Provide safe boxes; and

（十三）经中国人民银行批准的其他业务。

(13) Undertake other businesses approved by the People's Bank of China.

经营范围由商业银行章程规定，报中国人民银行批准。

Business scopes of the banks are to be defined in the articles of association of the banks and reported to the People's Bank of China for approval.

第四条  商业银行以效益性、安全性、流动性为经营原则，实行自主经营，自担风险，自负盈亏，自我约束。

Article 4 Commercial banks should work under the principles of efficiency, safety and fluid with full autonomy and full responsibility for their own risks, profits and losses and self-restraint.

商业银行依法开展业务，不受任何单位和个人的干涉。

Commercial banks do business in accordance with laws free from any interference by units and individuals.

商业银行以其全部法人财产独立承担民事责任。

Commer

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