我国商业银行破产法律制度完善.docxVIP

我国商业银行破产法律制度的完善摘要在市场经济条件下，以负债经营为典型特点的商业银行面临着市场风险、流动性风险、利率风险等诸多风险，商业银行也存在着因经营失败而破产的可能性。而且，商业银行经营的业务与国民经济和人民生活息息相关，其破产法律关系较一般企业破产更为复杂。然而，我国现行商业银行破产的法律制度还存在着许多不足。本文探讨了商业银行破产有关的法律问题,包括以下几方面内容：首先本文以海南发展银行关闭案为例引入对我国商业银行破产制度的思考；接着文章分析了我国商业银行破产法律制度的现状及其存在的问题并提出完善我国商业银行法律制度的三方面建议：完善商业银行破产预防制度、制定专门的商业银行破产清算程序、建立存款保险制度。围绕这三方面建议，本文试结合我国国情和 2006 年 8 月 27日通过的《中华人民共和国企业破产法》对完善我国商业银行破产法律制度的具体措施进行详细的阐述。关键词：商业银行，破产预防，破产清算，存款保险1ON THE IMPROVEMENT OF CHINA’S BANKRUPTCYINSTITUTION OF COMMERCIAL BANKSABSTRACTUnder the condition of market economy, commercial bankswith the character of public deposit have to face many riskssuch as market risk, liquidity risk and interest rate risk. Itis inevitable that commercial banks have their possibility towithdraw from market because of operation failures. Asenterprises of public deposit, Commercial banks relate withnational economic and daily lives of human, therefore the legalrelationship with commercial banks are more complicated thannormal enterprises. However, we have to admit that Chinasexisting legal system of bankruptcy of the commercial banks hasmuch weakness.This thesis covers some of the legal issues concerning theinsolvency of commercial banks as follows: at first, a givencase on the Hainan Development Bank leads to my thinking ofChina’s bankruptcy institution of commercial banks. After theanalysis of the status and the problem of China’s bankruptcy2institution of commercial banks, the author brings out thesuggestions on three aspects in order to perfect China’sbankruptcy institution of commercial banks: improve the legalsystem of commercial bank failure prevention; establish thespecial insolvency liquidation procedure of commercial banks;establish the deposit insurance system. Base on the situationof our country and the Law of the Peoples Republic of Chinaon Enterprise Bankruptcy which will come into force on June 1,2007,thethesisgivesdetailedmeasuresonthethreesuggestions in order to improve Chinas existing legal systemof bankruptcy of th