On China's Commercial Banks To Bankruptcy And Liquidation System

Commercial banks have some places different from general enterprise,Characteristic on manage object and property construction as well as particular risks that meet with in management ,A11 these made the construction of commercial banks have high-risk.Besides the link between banks' crisis and the strong negative effects of commercial banks insolvency,these made commercial banks insolvency not only abide by common enterprise bankrupt law,but aiso according to it's peculiarity to build commercial bank bankrupt law.Our country's liquidation law for bank hasn't been well established , it's important to perfect it.At present,The reasons of bankrupt that many countries stipulated have three types,it is"fluidity standard","balance sheet standard","complex standard",Commercial banks should not simply applied the reasons of bankrupt that applied for common undertaking ,It should applied "the standard that in the insolvency conditions which are formulated by the bank supervision and management institutions" .The article introduced american's"measures that instantly correct"and made some comments on how to perfect the reasons of our country's commercial bank insolvency.The range of commercial bank insolvent property is a important problem in bank liquidation,The essay introduced our country's stipulation of common enterprise and commercial banks and pointed out the problems which should be attention when dividing.The dividation of commercial bank insolvent creditor's rights is very important to bank liquidation ,The article discussed in the field of characteristic on creditor's rights station of commercial banks,the creditor's rights of bank savings and rights of priority that close related with insolvent creditor's rights,it's included the rifhts of take back,the rights of elimination,the rights of offset,the creditor's rights of common interest and made some suggestions.The administer person of commercial bank insolvency is very important to bank liquidation proceed smoothly,The essay introduced the administer person's selection,obligation and supervision of common enterprise and commercial banks moreover made some recommendations.The distribution of commercial bank insolvent property involved the problems of the order of distribute,the way of distribute and whether carry out distribution many times,The article introduced these problems and made some proposals.