On The Commercial Bank Insolvency Regime Build

With the development of the market economy,the financial market and the formulation of competition system between the banks in recent years,some of the financial offices were closed or became insolvent.But the lack of legal system of the bank insolvency has threatened the stability of our financial system or even the stability of our society.So the bank insolvency system must be perfected.This article mainly uses the listing and comparison way to analyze the problems and discusses the way to perfect our bank insolvency system.Chapter 1 mainly refers to the character of the bank,the risks a bank will face in the market and the reasons leading to the bank insolvency,it also introduces the state of the banks in China.Considering that bank in a country is directly connected with the stability of the financial market and the society,it is of necessity to perfect the bank insolvency system.Chapter 2 contains the frame of the bank insolvency system.It introduces some basic ideals about bank insolvency such as the protection of the creditor or the prevention of bank insolvency.With the introduction of the legislation mode of bank insolvency,it gives some advices about how to improve our legislation.Chapter 3 mainly settles the detailed problems,such as the identification of the standards of bank insolvency,the identification of credit right,the scope of the properties and the order of disposing.With these discussions,it gives some advices about how to improve our legislation.Chapter 4 contains the detailed advices about how to improve our bank insolvency law.With the content of the three chapters above,the advices are easily got,such as the foundation of deposit protection system and so on.