中国《商业银行法》亟待进行一次全面的修订和完善。本文建议,《商业银行法》的修定应从“机构立法”向“行为立法”转型。在“银行业法”立法条件已经基本具备之际,其核心内容应界定“银行业”的概念、建立银行“牌照”体系,并且统一银行业规范要求。 China’s “Commercial Bank Law” urgently needs a comprehensive revision and improvement. This article suggests that the revision of the Law on Commercial Banks should be transformed from “institution ’s legislation ” to “act ”. When the legislative conditions of the Banking Law are basically in place, the core content of the banking law should be to define the concept of “banking” and set up a bank “license plate” system and unify the requirements of the banking industry.