求一篇关于“银行法律风险”的英文原文, 紧急

While the Negotiable Instruments Law constitutes a comprehensive financial statute, it is perhaps more significant for what it does not address than for what it does. Without expressly stating so, the Negotiable Instruments Law is, in effect, a banking statute, one of several enacted at roughly the same time.It addresses a range of transactions or activities involving the use of negotiable instruments,but they are largely transactions in which banks participate, such as the negotiation of drafts, which need not necessarily, but in fact often do, involve banks,cashier's checks, and checks. What the Negotiable Instruments Law does not address is the use of promissory notes by private parties. It is in this regard that the Negotiable Instruments Law is most revealing about the Chinese government's perception of the role negotiable instruments should occupy in the economy, and perhaps the manner of conducting economic activity generally. The resolution of certain unanswered questions with respect to the Negotiable Instruments Law (if such issues are to be resolved) depends on the enactment of detailed implementing regulations or clarification through practice or judicial interpretation. The decision to address negotiable instrument usage in a limited fashion reflects a tension in the Chinese government's present approach to reform: to what degree should the state control economic activity? Are laws to be adopted to further individual economic activity and opportunity or to facilitate state control over the process of economic growth? The limited scope of the Negotiable Instruments Law suggests that the State Council adheres to the view that it is desirable to further state control over economic development and that negotiable instruments are in fact "instruments" of state involvement with and supervision over the economy. Correspondingly, the adoption of the Negotiable Instruments Law in its present form may reflect that the government is loath to enact laws that sanction or facilitate the private creation of "money" through the use of promissory notes.。

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