Bank Deposits Of Legal Risk Prevention

Banks led China's financial sector, deposit business is the main business of banking. Bank deposits with the legal risks arising from concealment, analyzing legal risk prevention measures for bank deposits. China's banking regulators have shown the shortcomings of the legal system, lack of a unified banking legal system, banking supervision can not guarantee that reasonable and effective, standardized implementation. Commercial banks have professional legal risk and specificity, resulting in the loss even brought a legal crisis, so to understand the legal risks of commercial banks and the specialized features of prevention rather important. Banking supervision and regulations are incomplete, arbitrary, subjective nature, the implementation of rules and other rules and regulations are not necessary; on the deposit insurance system and other means of supervision had not yet been sufficient attention, the deposit insurance system in China is still a blank state law;the law of regulatory powers of the security mechanism is not perfect, is not conducive to fulfill its mandate to ensure that regulatory body to monitor the effectiveness of risk management system to establishing the bank's roles of accounting oversight. Prevent and resolve legal risk bank deposits must be to establish a sound financial laws and regulations, strengthening the people's bank supervision, and the bank's own risk management should be strengthened. Therefore, commercial banks should improve laws and regulations, to achieve a legal basis; strict banking operations by chapter staff to realize there are laws to follow; reduce legal loopholes and loopholes in the system, improve preventive capabilities. According to foreign experience, the deposit insurance system is the Western countries one of the main methods of financial supervision, the establishment of a deposit insurance system is to prevent deposits of legal risk and protect the interests of depositors and effective method. Reality in our country, the establishment of bank deposit insurance system to have legal advice. In view of the operations of commercial banks in the course of a wide range of risks exist, prevent and mitigate risks to solve the problem of a comprehensive management system, specific prevention system, including: internal control system, professional and legal risks, commercial bank supervision, the external legal environment perfect.