中华人民共和国商业银行法（2003 Law of the People's Republic of China on Commercial
年修订）
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
第一章
第二章
组织机构
第三章
第四章
基本规则

Contents
总则

Chapter I General Provisions

商业银行的设立和 Chapter II Establishment and Organization of Commercial
Banks
对存款人的保护

Chapter III Protection for Depositors

贷款和其他业务的 Chapter IV Basic Rules Governing Loans and Other
Businesses

第五章

财务会计

Chapter V Finance and Accounting

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 commercial banks, depositors and other clients, standardizing the behaviors of commercial banks, 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；

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. Handling acceptance and discount of negotiable 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

（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