The Research Of Legal System On Bankruptcy Of Commercial Bank In China

In the process of deepening reform of financial system,financial institutions cannot be avoided.In China,bank failures used not to be common,so that both the company and individual depositors didn't have enough consciousness and awareness of crisis.However,with the deposit insurance system putting forward,and allowing commercial Banks to go bankrupt,it greatly support the bank failures theory.In draw lessons from foreign bank bankruptcy,on the basis of practical cases,combined with China's national conditions,our country commercial bank bankruptcy legal system will be improved.To perfect our country commercial bank bankruptcy legal system,but not to encourage commercial bank bankruptcy,there was a problem with the established can save more rational,can effectively guide the crisis of Banks to exit the market,to the greatest degree of reduce the bad effects of bank failures,to perfect our country's financial system to ensure standardize the delisting of the enterprises;First chapter is introduction.Along with our country commercial bank deposit insurance system,the implementation of the permitted commercial Banks to the policy of bankruptcy in our country were introduced,which can be seen in the determination of the financial system reform in our country.Also releasing the financial industry development needs a more market-driven signals.Under this big background,Chinese commercial bank bankruptcy system needs to be perfected as soon as possible,and be able to withstand the real test of a commercial bank bankruptcy.The second chapter is general theory of commercial bank bankruptcy system.First of all,the commercial Banks and commercial Banks bankruptcy are summarized.Secondly,through the concrete analysis of commercial Banks bankruptcy,it is concluded that the commercial bank bankruptcy legal system with the enterprise bankruptcy law system of general,and particularity.Again,for the sake of the healthy development of Chinese commercial Banks,especially after the RMB to join the SDR,Chinese financial sector in the face of international and domestic pressure,the necessity of perfecting the legal system of our country commercial bank bankruptcy.The third chapter introduced the present situation and problems of Chinescommercial bank bankruptcy legislation,there is no specific adjustment in commercial bank bankruptcy legal system,through the common law to adjust the bank bankruptcy,in specific subject,reforming process,the liquidation of bankruptcy petition will appear some shortages in the program.The fourth chapter based on several typical countries abroad commercial bank bankruptcy legal system analysis and reference,so that they can draw inspiration to our country commercial bank bankruptcy legal system,for the perfection of our country commercial bank bankruptcy legal system plays a role of guidance.The fifth chapter mainly discusses the perfection of Chinese commercial bank bankruptcy legal system,this part analyzes several main procedures and make up advice,from the legislative mode,regulators,bankruptcy reorganization,bankruptcy administrator,bankruptcy and liquidation,and supporting protection system from several aspects,the bankruptcy of commercial Banks in China should first determine the legislative model,based on the on the details of the above mentioned problem.