| As for banks with problem in china are usually resolved by merger and acquisition or administrative closure, while depositors receive their deposit and interest by the state payment。The consequences of doing this, on the one hand it break the rules of market-economy, on the other hand it will send wrong messages to the bank and the depositors. That the banks are backed up by the state, despite all the high-risk business activities, and the depositors rely on the credit of the state, have no risk awareness for their deposit.However, as China joined the WTO, the financial industry is further open their door, further more as most of the commercial banks in China are restructuring and listing. Chinese Commercial Banks have entered a new stage of reform and development. The main bank as a market also should follow the rules of market economy, and the depositor also should take the risk by their deposit. However, due to various factors, leading to their interests are often ignored. Therefore, this paper conducts research about depositor's interest-protection System during Chinese Commercial Banks'Insolvency, aim to provide a more comprehensive protection to the depositors' interests.The article is divided into four parts. The first part is analyses the relevant theory about the depositor in the bank, including the legal status of the depositors, the theoretical basis about depositor's special protection. The second part is by analyses the experience if the protection for the depositor's interests of the foreign commercial banks insolvency and propose revelation to protect interests of the depositor in China. The third part is focused on the current situation of the protection for the interests of the depositor of Chinese commercial banks insolvency, analyses the current problems. The fourth part is to provide some relate suggestion about improve the system of the issue to protect depositor's interest during Chinese Commercial Banks'insolvency.
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