1. Protection of depositors;
2. Granting of greater autonomy to commercial banks;
3. Conversion2 of specialized3 banks and credit cooperatives into commercial banks; and
4. Introduction of prudential standards and regulations.
At the time, these standards were too high for the major banks to adopt. Today however, all commercial banks adhere to The CB law.
1995年颁布了管理中国银行的两个基本法：中国人民银行法和中国商业银行法（这里称商业银行法）。这类法律的颁布是整顿银行系统的要紧一步。商业银行法概述了银行改革的四个重要范围：1、保护存款人;
2、授与商业银行更多的自主权;
3、将专门银行和信用合作社并入商业银行；与
那时使用这类标准，对主要的银行来讲是需要太高了。但今天，所有些商业银行都遵守商业银行法
