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《中华人民共和国中国人民银行法》,已经八届全国人民代表大会第三次会议审议通过,并颁布实施。这是金融界的一件大事,也是我国经济生活中的一件大事。标志着我国金融事业从此步入了法制化建设的轨道。随着金融事业的发展和金融改革的深入,社会经济活动的货币化程度不断提高,银行在国民经济中的地位和作用明显增强,并初步形成了以中国人民银行为领导、国有商业银行为主体、多种金融机构并存、分工协作的金融体系。《中国人民银行法》的及时颁布有利于科学、规范地进行宏观调控和决策。首先,此法明确了人民银行作为中央银行在宏观调控中的职责、权限,具体规定了实施货币政策目标的手段;其次,明确中央银行货币政策的首要目标是保持货币币值稳定。币值稳定就是经济的稳定,只有保持社会总需求与总供给的相对平衡才可能避免经济的大起大落。多年来,银行资金被随意处置、侵犯,根本原因是缺乏国家法律保护,造成了国家资金大量流失,也使法院在审理金融纠纷中,无所适从。针对金融管理体制的某些不规范状况,《中国人民银行法》,从总则、组织机构、人民币、金融监督管理、财务会计、法律责
The Law of the People’s Bank of China on the People’s Bank of China has been examined and adopted by the Third Session of the Eighth National People’s Congress and promulgated and implemented. This is a major event for the financial community and a major event in our economic life. This shows that our financial industry has since entered the track of legal system construction. With the development of finance and the deepening of financial reform, the degree of monetization of social and economic activities has been continuously improved. The status and role of banks in the national economy have been significantly enhanced. The formation of a state-owned commercial bank led by the People’s Bank of China , The coexistence of a variety of financial institutions, division of labor co-operation of the financial system. The timely promulgation of the “Law of the People’s Bank of China” is conducive to carrying out macroeconomic control and decision-making in a scientific and standardized manner. First of all, this law clarifies the PBC’s responsibilities and powers as a central bank in macro-control and specifies the means of implementing the monetary policy objectives. Second, it is clear that the primary objective of the central bank’s monetary policy is to maintain the stability of the value of the currency. The stability of the monetary value is the economic stability. Only by maintaining the relative balance between the total social demand and the total supply can we avoid the ups and downs of the economy. Over the years, bank funds have been arbitrarily disposed of and infringed upon. The fundamental reason is the lack of state legal protection, the drastic loss of state funds and the loss of the courts in handling financial disputes. For some non-standard financial management system, the “People’s Bank of China Law”, from the general principles, organizations, the RMB, financial supervision and management, financial accounting, legal responsibility