| Along with the deepening of reform and opening up and the WTO accession, China's market economic system continuously improved. China will gradually open up its financial system; financial security has become the theory and practical focus of the profession. Especially in the latter part of 2007 in the United States erupted secondary mortgage loan crisis. The reason is the United States excessive lending institutions and the laws and regulations credit is not perfect which make bank accumulated large quantities non-performing assets. The crisis caused many financial institutions in the United States of bankruptcy, and had a bad effect to the United States economy and the people's life. Therefore, how to ensure financial security into economic development boosters, to maintain the health of the country's financial system development with Chinese characteristics and create financial development road and is worthy of our consideration.In our present economic life, the status and influence of financial is unprecedented. The benign development of financial will flourish the whole socials economic. The happening of the financial crisis would easily make the social's turbulence. At present, china's bank especially the state-owned bank's bad loan amount is very big, and its rate is preponderate over those where financial crisis happened. It seriously threatens the normal development of our country's economic and the stability of our society, and become a heavy burden of the national economy. Thus, it is a very important task to disposing the bad loan for china's economic and the financial system.As analyses it can be concluded that it is formed by the unhealthy and faultiness. Legal system where there is seriously lacking of social credits. It is hard to perform the law, it is hard to trace who break the law and it is also difficult to execute the law. So it is the basic route to disposing the bad loan by safeguarding the realizing of the bank dept right through the means of law.
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