China's Commercial Bank Debt Legal Protection Mechanisms

Commercial banks as the core of modern economy, asset quality is the lifeline of the bank,as the most important financial intermediaries in the market, their quality of management quality will not only affect its own survival and development, but also has a bearing on the interests of the vast number of depositors and the stability of society.therefore, the huge debt of commercial banks can secure resumption of direct bearing on the prosperity and stability of the banking sector, and will involve the country's economic development and national security.china's existing legal mechanism for commercial banks are still inadequacies in the protection of creditor's rights, this is not only a lack of china's legal environment, but also trigger an important source of banking crisis. Hence the need for the financial law, criminal law, civil law and commercial law and procedural law from various angles, to protect bank creditor's Rights of All-round, only compensate for gaps in the law can provide the system guarantee for the safety of the bank's credit. In addition, you need to strengthen banking supervision, the one hand, it is necessary to strengthen self-regulatory mechanism which is Standard Bank internal operations, we must also improve the banks outside supervision mechanism to strengthen supervision of the Banking Regulatory Commission and other regulatory bodies to commercial banks. Only legal system and banking supervision mechanism in close coordination and mutual cooperation, can we truly realize the prosperity and stability of china's commercial banks and side effect of land resumption promote the healthy development of the National economy. Purpose of writing this document is to explore a better protection mechanism of china's commercial bank credit, briefed the guests on china's commercial banks' bad creditor's rights cause and the United states, following the successful experience of Japan to protect bank creditor's rights, I earnestly analysis of china's current legal system for the protection of creditor's rights of commercial banks. In addition, on china's bank outside supervision and internal control mechanisms put forward many reasonable operation, hope that through the maturity of the perfection of the legal system and banking supervision mechanism to better protect the safety and stability of china's banking industry.