摘要： 鉴于银行经营行为的特殊性和公共利益保护的需要，对银行经营行为在适用商业判断规则时应与一般公司区别对待，严格适用并提高注意标准，这是我国引入商业判断规则时应当充分考虑的内容。银行监管部门规章所规定的银行经营规则和要求，是银行董事勤勉义务的组成部分，也是对银行董事经营行为严格适用商业判断的客观标准；银行董事的注意标准是“合理的谨慎的银行家”所应尽到的注意，而非“一般谨慎之人”的注意。我国现行法律没有将银行监管部门规章所规定的银行董事经营职责要求纳入其应承担的勤勉责任的范围，同时缺乏对董事注意标准的一般规定和对银行董事注意标准的特别规定，不利于在实践中对银行经营进行商业判断。建议在《商业银行法》等立法中规定银行董事对违反银行监管部门规章所造成的损失承担赔偿责任，并为银行董事设定注意标准的底线。

关键词: 银行经营行为 , 银行董事 , 商业判断规则 , 标准

Abstract: The special attributes of banking management and the need to protect public interests make it necessary to apply business judgment rules to banking managers different from that in non—financial firms with higher standards，and that is what we should pay more attention while implanting business judgment rules into China．The subjective standards for applying business judgment rules to banking managers include the banking management rides and demands regulated by banking administrative agencies，and the objective standards for applying business judgment rules to banking managers is the standard of“a reasonable prudent banker”but not“a common prudent person”．In China．there are no such subjective and objective standards in relative legislations，and hard to make banking managers responsible for their wrong doings in practice，so it is suggested that to perfect the Law of Commercial Bank with adding these standards．

Key words: banking management, directors of banks, business judgment rules, standards