Research On The Bank Deposit And Loan Management System And Judicial Practice During The Republic Of China Perio

The banking law of the Republic of China is an important part of modern commercial law and also an important content of the history of modern Chinese financial law.By sorting out and analyzing the regulations on the deposit lending business of the Bank of the Republic of China,this paper shows some important regulations on the deposit business of the bank in the Republic of China,and finds out the historical background of the development of the business from these regulations,reflecting the strength and depth of the government’s bank management in the Republic of China.Some specific rules,causes and desired regulatory effects are also worth learning from the current banking management department.This is also the purpose of this article to pursue.From the perspective of research methods,this paper mainly collects historical documents of the banking law of the Republic of China,and pays special attention to the collection and screening of regulations related to the management of bank deposits and loans,hoping to focus on the in-depth study of the problem through a small incision.The selection of materials as far as possible to quote the previous unused or rarely used archives.This article quotes the social financial legal creek before jun criticism of the banking act in 1931,citing Zhang Zhaoyuan legislative drafting committee of the Republic of China,ma yinchu about the banking act in 1947 to draft revision background,motivation,revision principles,difficult to introduce,for the study of the Republic of China "banking act" provides another dimension and perspective,Fortunately for me,these archives are a small step forward from previous research.This paper has five parts:The first part is the introduction,which mainly explains the research background,literature review,research breakthrough and innovation points of this paper.The second part introduces the background and context of the laws and regulations of the bank business operation in the Republic of China,and combs the general situation of the evolution of the bank legislation in the Republic of China.The third part focuses on the bank deposit and lending business management regulations during the Republic of China;Deposit regulations,lending regulations,interest rate management regulations,deposit money business accounting items.What is innovative is that this part selects the deposit management laws and regulations of some commercial banks in the Republic of China period,such as the salt industry lending rules of Shanghai Commercial Savings Bank,the amendment of regulations of Bank of China and Bank of Communications,and the introduction of Basic Principles of Bank of Communications for Factory Lending,which enriches the scope of laws and regulations.The research of deposit money business accounting item setting is a cross-professional research.From the setting of accounting item,we can see the specific content of deposit money business management in the Republic of China.The fourth part is also another feature of this paper: in addition to the study of laws and regulations,it is a case study of the implementation practice of the bank deposit management regulations in the Republic of China.Three typical cases are selected through screening and analyzed for the deposit business cases,two criminal cases and one civil case.These cases reveal some circumstances: the rigorous and responsible handling of criminal cases,gradually advancing;The logic of the bank agent in the civil case is rigorous,the pleadings are beautifully written,the facts are described and the appeals are clear.The fifth part is the conclusion,which summarizes the whole article.The main point of this paper is: in the Republic of China,the legislation and revision of banking law were attached great importance.The time of legislative preparation is relatively sufficient.The Nanjing Government of the Republic of China began to absorb the General Rules and Regulations of Banks in the late Qing Dynasty,and the Banking Law of 1931(not implemented).After years of hard work and due to the circumstances,the 1947 Banking Law was finally created.Especially combined with the social status quo and the voice of the industry at that time,the law was widely applicable and became a pearl in the commercial law of the Republic of China at that time.Bank deposit management laws and regulations in the Republic of China have more contents and more detailed provisions,which can provide legal guarantee for the healthy and sustainable development of the banking industry.Legislators PAY attention to the interests of the majority of small and medium-sized depositors,the board of directors and supervisors of banking institutions are more strict constraints,deposit business pay attention to the proportion limit management,these are the legislative purposes of the Republic of China Bank deposit management laws and regulations.