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《中华人民共和国商业银行法》于1995年5月10日经第八届全国人民代表大会常务委员会第十三次会议通过,这是保障农村信用社稳健发展的重要法律,对保护农村信用社、存款人和其他客户的合法利益,规范信用社的行为,维护农村金融秩序,促进农村经济的发展有着较为重要的意义。一、学好用好《商业银行法》,促进信合工作稳健的发展。按照国务院《关于金融体制改革的决定》精神,专业银行要逐步转变为商业银行,有步骤地组建农村和城市合作银行,要按现代商业银行的经营机制运行,实现这一目标,立法是关键。《商业银行法》的颁布实施为信用社真正实行“自主经营、自担风险、独立核算、自负盈亏、自我约束”的办社原则和组建农村合作银行的改革提供了法律保障,明确了商业银行的性质、地位,确立了商业银行的经营原则以及设立和开展业务的基本准则。
The Commercial Bank Law of the People’s Republic of China was approved by the 13th meeting of the Standing Committee of the Eighth National People’s Congress on May 10, 1995. This is an important law for guaranteeing the sound development of rural credit cooperatives. It is of great importance to the protection of rural credit cooperatives, The legitimate interests of depositors and other customers, standardize credit union behavior, maintain rural financial order and promote rural economic development is of great significance. I. Learn how to make good use of the Commercial Bank Law and promote the steady development of the cooperation in letters and calls. In accordance with the State Council’s “Decision on the Reform of the Financial System,” professional banks should gradually transform themselves into commercial banks and step by step to set up rural and urban cooperative banks. To achieve this goal, modern commercial banks should implement the mechanism. Legislation is the key. The promulgation and implementation of the “Commercial Bank Law” provided the legal guarantee for the RCCs to implement the principle of “running their own businesses at their own risk, independent accounting, self-financing, self-restraint” and the reform of forming a rural cooperative bank. The nature and status of commercial banks have established the operating principles of commercial banks and the basic rules for setting up and conducting business.