中华人民共和国商业银行法（2003 年修订） Law of the People's Republic of China on Commercial Banks (Revised in 2003) English Version中文版 发文日期：2003 年 12 月 27 日 有效范围：全国 发文机关：全国人民代表大会常务 委员会 文号：主席令[2003]第 13 号 时效性：现行有效 生效日期： 所属分类：商业银行（银行法-金 融机构-商业银行） Promulgation Date: 12-27-2003 Effective Region: NATIONAL Promulgator: Standing Committee of the National People's Congress Document No: Order of the Present [2003] No. 13 Effectiveness: Effective Effective Date: 07-01-1995 Category: Commercial Bank （ Banking Law-Financial Institution-Commercial Bank） 全文：Full text: 中华人民共和国商业银行法Law of the People's Republic of China on Commercial Banks (Revised in 2003) 主席令[2003]第 13 号Order of the Present [2003] No. 13 2003 年 12 月 27 日December 27,2003 （1995 年 5 月 10 日第八届全 国人民代表大会常务委员会第十 三次会议通过根据 2003 年 12 月 27 日第十届全国人民代表大会常 务委员会第六次会议《关于修改 〈中华人民共和国商业银行法〉的 决定》修正） (Adopted at the 13th Session of the Standing Committee of the Eighth National People's Congress on May 10, 1995, and amended according to the Decision on Modifying the Law of the People's Republic of China on Commercial Banks as adopted by the Sixth Session of the Standing Committee of the Tenth National People's Congress on December 27,2003) 目录Contents 第一章总则Chapter I General Provisions 第二章商业银行的设立和 组织机构 Chapter II Establishment and Organization of Commercial Banks 第三章对存款人的保护Chapter III Protection for Depositors 第四章贷款和其他业务的 基本规则 Chapter IV Basic Rules Governing Loans and Other Businesses 第五章财务会计Chapter V Finance andAccounting 第六章监督管理Chapter VI Supervision and Management 第七章接管和终止Chapter VII Take-over and Termination 第八章法律责任Chapter VIII Legal Liabilities 第九章附则Chapter IX 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 The present Law is hereby formulated for the purpose of protecting the legal rights and interests of commercialbanks,depositorsandotherclients, standardizingthebehaviorsofcommercialbanks, improving the quality of loan assets, strengthening the supervision and management and thus ensuring the sound and stable operations of commercial banks, safeguarding financial order and promoting the development of the 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 The “commercial banks“ referred to in this Law are those enterprise legal persons which are established to absorb public deposits, make 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： （一）吸收公众存款； （二）发放短期、中期和长期 贷款； （三）办理国内外结算； （四）办理票据承兑与贴现； （五）发行金融债券； （六）代理发行、代理兑付、 承销政府债券； （七）买卖政府债券、金融债 券； （八）从事同业拆借； （九）买卖、代理买卖外汇； （十）从事银行卡业务； （十一）提供信用证服务及担 保； （十二）代理收付款项及代理 保险业务； （十三）提供保管箱服务； （十四）经国务院银行业监督 管理机构批准的其他业务。
Article 3 A commercial bank may have the following businesses in part or in whole: 1.Absorbing public deposits; 2. Offering short-term, medium-term and long-term loans; 3. Arranging settlement of both domestic and overseas accounts; 4.Handlingacceptanceanddiscountofnegotiable instruments; 5. Issuing financial bonds; 6. Issuing, cashing and undertaking the sale of government bonds as agents; 7. Buying and selling government bonds or financial bonds; 8. Undertaking inter-bank borrowing or lending; 9. Buying and selling foreign exchange by itself or as agents; 10. Engaging in bank card business; 11. Offering L/C services and guarantee; 12. Handling receipts and payments and insurance business as agents; 13. Providing safe boxes services; and 14. Other businesses as approved by the banking regulatory organ of the State Council. The business scope of a commercial bank shall be determined by the Articles of Association of the bank and 经营范围由商业银行章程规 定，报国务院银行业监督管理机构 批准。
商业银行经中国人民银行批 准，可以经营结汇、售汇业务 reported to the banking regulatory organ of the State Council for approval. A commercial bank may undertake foreign exchange settlement and selling businesses after being approved by the People's Bank of China. 第四条商业银行以安全性、 流动性、效益性为经营原则，实行 自主经营，自担风险，自负盈亏， 自我约束 商业银行依法开展业务，不受 任何单位和个人的干涉 商业银行以其全部法人财产 独立承担民事责任 Article4Commercialbanksshallworkunderthe principles of safety, fluidity and efficiency, with full autonomy and assume sole responsibility for their own risks, profits and losses, and with self-restraint. Commercial banks shall carry out business in accordance with laws free from any interference by entities or individuals. Commercialbanksshallbearcivillegalliabilities independently with all their properties as legal persons. 第五条商业银行与客户的 业务往来，应当遵循平等、自愿、 公平和诚实信用的原则。
Article 5 Commercial banks shall follow the principles of equality, free will, fairness, and good faith in their services to clients. 第六条商业银行应当保障 存款人的合法权益不受任何单位 和个人的侵犯 Article 6 Commercial banks shall protect the legal rights and interests of the depositors against the encroachment of any entity or individual. 第七条商业银行开展信贷 业务，应当严格审查借款人的资 信， 实行担保， 保障按期收回贷款 商业银行依法向借款人收回 到期贷款的本金和利息，受法律保 护 Article 7 Com。