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各国的政策性银行一般不受普通银行法或称商业银行法的制约,而以单独的法律、条例予以规范。1994年我国相继组建3家政策性银行,但到目前有关政策性银行的专门立法工作尚未完成。但这并不能说,政策性银行就无法可依。就农发行而言,其业务的开展,尤其是对粮棉企业实行严格的信贷监管,有着明确的法律、行政法规、部门规章依据。
The policy banks in various countries are generally not regulated by the ordinary banking law or the commercial bank law, and are regulated by separate laws and regulations. In 1994, China successively set up three policy banks, but up to now, the special legislative work on policy banks has not yet been completed. But this does not mean that policy banks can not be controlled. As far as the Agricultural Development Bank is concerned, its business has been carried out. In particular, it has strict credit supervision over grain and cotton enterprises and has clear laws, administrative regulations and departmental rules and regulations.