Legal analysis: Financial law is the general term for laws that regulate financial relationships. Financial relationships include financial regulatory relationships and financial transaction relationships. The so-called "financial regulatory relationship" mainly refers to the relationship between the government's financial authorities in the supervision and management of financial institutions, financial markets, financial products and financial transactions. The so-called "financial transaction relationship" mainly refers to various financial transactions conducted in various financial markets such as money markets, securities markets, insurance markets, and foreign exchange markets, between financial institutions, between financial institutions and the public, and between the public. relation. Under the general term of financial law, laws related to the relationship between financial supervision and financial transactions can be divided into specific categories such as banking law, securities law, futures law, bill law, insurance law, and foreign exchange management law. Financial trusts fall within the scope of financial law, while ordinary and general trusts fall within the scope of civil law.

Legal basis: "Law of the People's Republic of China on Commercial Banks"

Article 1: In order to protect the legitimate rights and interests of commercial banks, depositors and other customers, regulate the activities of commercial banks This law is formulated to improve the quality of credit assets, strengthen supervision and management, ensure the stable operation of commercial banks, maintain financial order, and promote the development of the socialist market economy.

Article 2 "Commercial banks" as mentioned in this Law refer to corporate legal persons established in accordance with this Law and the "Company Law of the People's Republic of China" to accept deposits from the public, grant loans, handle settlements and other businesses .