中国入世 ,须履行其在金融服务贸易自由化方面所作的承诺 ,制定、修改和完善国内金融法律。从商业银行的组织法、业务经营法、监管法三个角度入手 ,可以说明现有的《商业银行法》存在的缺陷和不足 ,并可提出相应的对策和建议 ,以期能够更好地与WTO接轨 ,保障商业银行的健康运营 As China’s accession to the WTO, it must fulfill its commitments made in the liberalization of financial services trade and formulate, amend and improve its domestic financial laws. From the perspectives of the organization law, business management law and supervision law of commercial banks, it can explain the shortcomings and deficiencies of the existing “Commercial Bank Law” and put forward corresponding countermeasures and suggestions in the hope of better cooperation with the WTO Conform to protect the healthy operation of commercial banks