The passage of the financial modernization act of 1999 ( fma ) fully support this kind of diversified operation , and will produce another surge of financial conglomeration . in 1995 , a commercial banking law was established to prohibit bank to invest in non - bank financial institute and other industry , since this law the financial industry in china is divided 金融业混业经营是全球的趋势，其表现之一既是金融集团在全球方兴未艾的发展，美国《 1999年金融现代化法》的通过充分肯定和支持了这一混业模式，并将激起新一轮金融企业的集团化浪潮。
This part analyses the conflicts between the policy & present laws , then resolutions follow . conflict with commercial bank law is that the policy shakes its basic rules : " manage by themselves , be responsible for their own actions . " conflicts with civil law can be seen in two aspects , but anyway , it is too much administrative intervene ; more conflicts with the corporation law on debt - to - stock : how to run the stock - holder ' s rights , how about amc ' s ability to invest , whether the corporation allowed to buy back the stock & how to be listed ; two conflicts with contract law can be cleared 与《民法》冲突方面，其一是过度的行政干预对民法平等理念的冲击:银行中巨额不良债权是普遍存在，而“债转股”只允许四家国有商业银行实施，其他性质的商业银行被排除在外;而对“债转股”企业来讲，也只有部分国有大中型企业可以参与，其他类型企业和大部分国有中、小型企业并无资格参与，这样就人为地打破了市场经济中的民事主体的平等地位。
These portions of the banking law have been interpreted , both in practice and by the courts , to make it a serious offense to divulge any information about a bank customer to a third party , including official requests of foreign governments , except in some very special and clearly defined situations 法律的这一严格规定在司法实践和法院的审理中得到了严格的贯彻。从而使得将银行客户的相关信息和资料泄漏给任何第三方的行为，包括根据外国政府的官方要求而提供客户信息和资料的情形均导致成为严重的犯罪行为。
Second , investing the proceeds from issuing rmb yuan 270 billion special treasury bonds as equity in four major state - owned commercial banks to raise their capital adequacy ratios to 8 % , as required by the basel agreement and china ' s commercial bank law , thereby further strengthening their risk - prevention capacity 第二，发行2700亿元特种国债用于补充国有独资商业银行资本金，以使其资本充足率达到巴塞尔协议和我国商业银行法要求的8 %的水平，从而进一步增强金融机构防范金融风险的能力。
During more than twenty years ’ reform , the chinese finance system has been going through mixed , dividual , and then mixed management . before 1978 , the people ’ s bank of china managed the hole finance system and deal with business bank operation . after the business bank law of prc was carried into execution in 1995 , there was strict dividual - management in chinese finance system , that is to say that bank was prohibited to invest to non - finance institutions and enterprises 本文从金融混业经营的内涵与外延;实行混业经营的动因;实行混业经营是否必然加剧或引发银行风险以及实行混业经营面临的风险和障碍等四个方面进行了阐述,并在对我国银行业经营体制的变迁,及对目前国际上主流的混业经营模式进行分析的基础上,提出金融控股公司模式是目前我国实行混业经营的理想模式。
By adopting the research methods of historical analysis and comparative analysis , the thesis puts the main studies on the policy bank law . the present author tries to put forward some valuable ideas to the policy bank law of china through researching the characteristic , the function , the position , the resource and the use of funds , the range of work , the form of organization and the legal responsibility of the foreign countries , at the same time , combining with the analyzing the present situation and the existed questions of our policy bank law . the aim is also to meet the challenge from wto 本文以政策性银行调控法律制度的研究为重点，运用历史分析、比较分析等方法，对国外政策性银行的性质、职能，地位、资金来源与资金运作、业务范围、组织形式、法律责任等进行了深入研究，力求对我国政策性银行调控法律制度荐言献策，并深刻分析了我国政策性银行的发展现状及存在的主要问题，提出了政策性银行立法的具体设想，以应对wto的挑战。
