（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１９９５年５月１０日中华人民共和国主席令第四十七号公布 自１９９５年７月１日起施行）
(Adopted at the 13th Meeting of the Standing Committee of the Eighth National People's Congress on May 10, 1995, Promulgated by Decree No. 47 of the President of the People's Republic of China on May 10, 1995)
第三章 对存款人的保护
ChapterIII - Protections for the Depositors
第四章 贷款和其他业务的基本规则
ChapterIV - Basic Rules Governing Loans and Other Businesses
第三条 商业银行可以经营下列部分或者全部业务：
Article 3 Commercial banks may have the following businesses in part or in whole:
（四）办理票据贴现；
(4) Handle the discount of negotiable instruments;
（十三）经中国人民银行批准的其他业务。
(13) Undertake other businesses approved by the People's Bank of China.
经营范围由商业银行章程规定，报中国人民银行批准。
Business scopes of the banks are to be defined in the articles of association of the banks and reported to the People's Bank of China for approval.
第四条 商业银行以效益性、安全性、流动性为经营原则，实行自主经营，自担风险，自负盈亏，自我约束。
Article 4 Commercial banks should work under the principles of efficiency, safety and fluid with full autonomy and full responsibility for their own risks, profits and losses and self-restraint.
商业银行以其全部法人财产独立承担民事责任。
Commercial banks undertake civil legal liabilities independently with their all 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 follow the principles of equality, voluntariness, fair, faithfulness and credibility 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 should protect the legal rights and interests of their depositors against encroachment by any unit and 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。
Article 7 In issuing loans, commercial banks should made reliable checks on the creditibility of the borrowers, and provide the loans on guarantee to ensure timely recovery of the loans.
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。
Commercial banks are protected by law in duly recovery of principal and interest of the loans they extended.
第八条 商业银行开展业务，应当遵守法律、行政法规的有关规定，不得损害国家利益、社会公共利益。
Article 8 Commercial banks should abide by relevant stipulations of laws and administrative regulations in their businesses and must not do any harm to the interests of the State and the society.
第九条 商业银行开展业务，应当遵守公平竞争的原则，不得从事不正当竞争。
Article 9 Commercial banks should follow the principle of fair competition in their business and should not be engaged in unfair competition.
第十条 商业银行依法接受中国人民银行的监督管理。
Article 10 Commercial banks accept the supervision and administration of the People's Bank of China in accordance with laws.
第十一条 设立商业银行，应当经中国人民银行审查批准。
Article 11 The establishment of commercial banks should go through the process of examination and approval by the People's Bank of China.
未经中国人民银行批准，任何单位和个人不得从事吸收公众存款等商业银行业务，任何单位不得在名称中使用“银行”字样。
Without the approval of the People's Bank of China, no unit or individual is allowed to do the business of a commercial bank such as absorbing the public deposit or call itself a bank.
第十二条 设立商业银行，应当具备下列条件：
Article 12 The establishment of a commercial bank should have the following conditions:
（一）有符合本法和《中华人民共和国公司法》规定的章程；
(1) A set of articles of association which accord with this law and the "Company Law of the People's Republic of China";
（二）有符合本法规定的注册资本最低限额；
(2) The lowest amount of the registered capital as stipulated by this law;
（三）有具备任职专业知识和业务工作经验的董事长（行长）、总经理和其他高级管理人员；
(3) Chairman (president), general manager and other senior management personnel of the bank are available with professional knowledge and work experience;
（五）有符合要求的营业场所、安全防范措施和与业务有关的其他设施。
(5) A business site as required accompanied with suitable safety and other relevant facilities.
中国人民银行审查设立申请时，应当考虑经济发展的需要和银行业竞争的状况。
In approving the application for establishing a commercial bank, the People's Bank of China should take into consideration the need of economic development and the competition in banking industry.