Security Of Banking Credit And Its Legal Guarantee

Summary: Banking credit is different from the common civil credit and commercial credit. Whether it is secure or not is relative to the national economy and the people's livelihood. It is extremely important to give banking credit the special legal protection. However, in china, market economy is in incomplete climacteric period, security of banking credit is facing all kinds of threats. some of them come from the internal factors, but majority of them come from the external factors, such as defective credit, enterprises escaping and revoking debts, blemish of personality of companies, defective bankruptcy system, missing consultancy and trust, barbarous agency and crises of judicatory trust, etc., in my opinion, in view of the specialty of market economy, if we want to maintain the security of banking credit, there are three steps which are as follows: firstly, we must establish and perfect the legal system which concern market main bodies, i.e. enterprises, agencies, and so on, we must use "ruler of trust" to have the market activities (bankrupt, trade, etc.) been up to the standard; secondly, we must take various measures to rule market and make governments and judicature exert their positive effects instead of negative ones; finally, banks, as market main part, must improve their interior structure, strength inner-oversee restrictive system, perfect business activities.