Two basic laws were introduced in 1995 to govern banks in China: the Law of the People's Bank of China and the Commercial Banking Law of China (known herein as "The CB Law"). These laws represented a major step in the reforming of the banking system. The CB Law outlines banking reforms in four key areas:
1. Protection of depositors;
2. Granting of greater autonomy to commercial banks;
3. Conversion of specialized banks and credit cooperatives into commercial banks; and
4. Introduction of prudential standards and regulations.
At the time, these standards were too high for the major banks to adopt. Today however, all commercial banks ("CBs") adhere to The CB law. 1995年出臺(tái)了管理中國銀行的兩個(gè)基本法：中國人民銀行法和中國商業(yè)銀行法（這里稱“商業(yè)銀行法(The CB Law)”）。這些法律的出臺(tái)是整頓銀行系統(tǒng)的重要一步。商業(yè)銀行法概述了銀行改革的四個(gè)關(guān)鍵領(lǐng)域：
1、保護(hù)存款人;
2、授予商業(yè)銀行更多的自主權(quán);
3、將專門銀行和信用合作社并入商業(yè)銀行；以及
4、引入慎重原則和規(guī)章。
那時(shí)采用這些標(biāo)準(zhǔn)，對(duì)主要的銀行來說是要求太高了。但是今天，所有的商業(yè)銀行(“CB”)都遵守商業(yè)銀行法。
1. Protection of depositors;
2. Granting of greater autonomy to commercial banks;
3. Conversion of specialized banks and credit cooperatives into commercial banks; and
4. Introduction of prudential standards and regulations.
At the time, these standards were too high for the major banks to adopt. Today however, all commercial banks ("CBs") adhere to The CB law. 1995年出臺(tái)了管理中國銀行的兩個(gè)基本法：中國人民銀行法和中國商業(yè)銀行法（這里稱“商業(yè)銀行法(The CB Law)”）。這些法律的出臺(tái)是整頓銀行系統(tǒng)的重要一步。商業(yè)銀行法概述了銀行改革的四個(gè)關(guān)鍵領(lǐng)域：
1、保護(hù)存款人;
2、授予商業(yè)銀行更多的自主權(quán);
3、將專門銀行和信用合作社并入商業(yè)銀行；以及
4、引入慎重原則和規(guī)章。
那時(shí)采用這些標(biāo)準(zhǔn)，對(duì)主要的銀行來說是要求太高了。但是今天，所有的商業(yè)銀行(“CB”)都遵守商業(yè)銀行法。