Research On Commercial Loan Disputes Of Kincheng Banking Corporation Of Hankow

The period of the Republic of China was a period of vigorous development of China's modern commercial banks.As an important financial institution that regulates the social economy and supports the development of industry and commerce,modern banks have played a pivotal role in this important period of social and economic transformation.During this period,commercial banks mainly focused on the three major businesses of deposit,lending and investment.They fully utilized social idle funds and accelerated the circulation of capital.They not only consolidated the bank's own strength,but also made important contributions to the development of social economy at that time.As one of the important branches of Kincheng Banking Corporation,Kincheng Banking Corporation of Hankow adheres to the guidelines and principles of the lending business of the head office.It has loan for industrial and mining enterprises,commercial,personal and military and political institutions.Overall,Commercial lending has always been a major part of its lending business.Since most of the loans to individuals are also commercial,the lending of business and industry and the lending of individuals can be regarded as commercial lending.Kincheng Banking Corporation always pays attention to the safety of fund placement,always puts the security of lending first,and strictly controls the types,amounts and objects of lending,and maintains a prudent and prudent attitude in order to be efficient,flexible and secure.Use funds.Despite this,in the process of actual operation and the development of subsequent events,it is inevitable that the risk of arrears is difficult to recover.The economic disputes between creditors(banks)and debtors have also become part of the social contradictions that could not be ignored at the time.As a rich merchant in Hankow,Liu Zijing has a large amount of working capital in his industry and business.The bank,as an intermediary of capital circulation,naturally became the object of Liu Zijing's borrowing.Jincheng Banking Corporation of Hankow,as one of the famous commercial banks in Han City,faces a wide range of lending business in the industrial and commercial sectors of Han City and Liu Zijing's lending is one of the many lending objects.However,due to the bankruptcy and sudden death of Liu Zijing,Jincheng Banking Corporation of Hankow has repeatedly fallen into a huge debt dispute.Among these debt disputes,not only the competition for collateral property rights,but also the disputes between banks and banks,many interests are interspersed,making it difficult to reconcile disputes.Under such circumstances,Jincheng Banking Corporation of Hankow and the debtor launched protracted judicial negotiations and litigation in order to achieve the purpose of safeguarding claims.However,in the actual situation,the bank's appeal is difficult to be met through judicial channels,and the parties finally replied to mediating the dispute in a settlement.This article takes Liu Zijing's borrowing event as the entry point,and presents the whole process of the development of disputes of Jincheng Banking Corporation of Hankow,explaining the bank's response and handling mechanism in the face of risk loss,so as to see the debt dispute in the process of social and economic transformation.The two sides deal with the pattern of disputes and the legal system phenomenon behind economic disputes,and then explore the interaction between commercial habits,customs and legal systems in mediation disputes.