论商业银行的法律地位

摘要
本文力求对我国商业银行的法律地位及其问题进行探讨，并对确保商业银行自主行使经营权力提出自己的想法和建议。
《中华人民共和国商业银行法》是我国金融领域的一部重要法律,对于确定商业银行的独立法人地位，保护商业银行、存款人和其他客户的合法利益,规范商业银行的行为,保障商业银行的稳健运行,促进金融体制改革和社会主义市场经济的发展,具有特别重要的意义。
但是在现实经济生活中,商业银行的法律地位的实现却常常面临着许多现实障碍，如地方政府行政干预、贷款客户不良行为、金融机构之间无序竞争、商业银行的内控机制不够完善等。本文将从现行法律法规、企业与银行制度、中央银行、执法部门等方面提出建议，以期更好的确保商业银行法律地位的实现，保障商业银行的稳健运行，促进金融体制改革和社会主义市场经济的发展。

关键词：商业银行，法律地位，商业银行法

On the legal status of commercial banks
 
Abstract
This article seeks to China's commercial banks, its legal status and issues to explore, and to ensure that commercial banks operate independently exercise the authority of their own ideas and suggestions.
"People's Republic of China Commercial Bank Law" is China's financial sector, an important law for commercial banks to determine the status of independent legal person, the protection of commercial banks, deposit-taking and the legitimate interests of other clients, and regulate the conduct of commercial banks to protect the commercial banks stable operation, and promote reform of the financial system and the development of the socialist market economy, is of particular importance.
But in the real economic life, the legal status of commercial banks are often the realization of the reality facing many obstacles, such as local government administrative intervention, loans customers bad behavior, disorderly competition among financial institutions, commercial banks, such as the internal control mechanism is not perfect . In this paper, through the existing laws and regulations, enterprises and the banking system, the central bank, the law enforcement agencies to make recommendations and so on, with a view to better ensure that the legal status of commercial banks to achieve and protect the stable operation of commercial banks to promote the reform of the financial system and the socialist the development of market economy.

Key words: commercial banks, legal status, law on commercial banks

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