This thesis covers some of the legal issues concerning the insolvency of commercial banks as follows : first , after a study of the basic issues of the law of corporate insolvency and the law of bank insolvency , the differences and relevance of these two laws are examined 本文研究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，通过对一般破产法及银行破产法的基本问题的研究，比较了两者间的区别与联系。
Firstly it applies principle component analyses method to evaluate the condition of banks . it defines a bank as a problem bank if its weighed component score is lower than the average , otherwise as a healthy bank . thus it builds up a high - risk bank sample and a low - risk bank sample 最为突出的一点是，美国银行业的历史长，发生过许多银行破产倒闭的事件，对银行的监管也比较有力，积累了较为完整的监管资料，可以直接选取风险高低不同的银行进行分析。
On the face of it , there are two basic options : first , resuscitate the bank as a viable , profit - making institution until the taxpayer is repaid and northern rock returned to the private sector ; or , second , run the rock down , selling its assets and collaring the cash for the public purse 表面上有两个基本选择：第一，等纳税人得到补偿、北岩银行返回私有部门后重整旗鼓使其成为独立盈利的机构；第二，宣布北岩银行破产，卖掉资产并且挪用资金补偿纳税人的腰包。
The theory of bank bankruptcy law arising in such a background will naturally be great influential to interpretation of the institutional arrangement of bank crisis and bank bankruptcy , understanding of the present movement of bankruptcy , strengthening of legislation for bank bankruptcy , and clarifying of some obscure theories 在现实背景之下诞生的银行破产法理论必将在对银行危机及银行破产制度安排的理解、当今破产运动的发展认识、加强银行破产立法工作以及澄清理论的模糊四个方面产生深远的影响。
At last , based on the examination of the current situation of china ’ s commercial banks and their insolvency , some deficiencies in our bank insolvency law are pointed out . some legislative suggestions are offered on the basis of china ’ s current situation and the legislation and its implementation of relevant laws in other countries 最后，考察了我国目前的商业银行整体水平及商业银行破产现状，指出了我国的银行破产法律制度存在诸多不足，并立足于我国的实际，在借鉴别国的立法以及实践的基础上，提出了立法建议。
Chapter three is given some advices on how to institute banking insolvency law system in china , which refers to the purpose and principle of legislation , institute a special , extensive and systemic bank insolvency law regime in our country . chapter four , five , six and seven , is main body of this paper 迄今为止,我国仅在《商业银行法》中对银行破产做出了原则性的规定,并没有充分考虑银行破产的特殊性,缺乏具体的操作性规定和相应的配套法律制度,使银行破产案件的处理存在着很大的难度。
From 1970s , the issue of bank insolvency has already become a very common problem gradually . the law on bank insolvency is aimed to prevent bank from insolvency and secure the stability of financial system , rather than make bank into insolvency . the major peculiarity of bank is the management under debts , little of its capital is from itself , other greatly is on loan 从20世纪70年代开始,银行破产已经逐渐成为一个普遍性的问题,银行的最大特点是负债经营,其资产除少部分来源于自有资金外,其他大部分都是通过负债的形式筹集到的,因此,只要有银行业务的存在,银行破产的风险就不可避免。
The article tries to carry on analysis to the barrier factor of the bank insolvency from many levels , having a foothold in the basic principle of the bank insolvency system in drawing lessons from the foreign bank insolvency experience , putting forward some viewpoints to the bank insolvency system from the angle of the law 本文试图从多层面对阻却银行破产的障碍因素进行分析,在借鉴国外经验教训的基础上,立足于银行破产制度的基本理念和精神,从法律的角度对构建我国的银行破产体系提出一些想法。
In order to be sure that the deposits would not be affected by the failure banks , the bank act was passed in america in 1933 , which provided that the federal deposit insurance corporation ( fdic ) and the federal savings and loans insurance corporation ( fslic ) must be founded . thus a new epoch was ushered in the history of the modern dis 在20世纪30年代的那场经济大危机中，美国一大批银行破产倒闭，为了保证广大储户的存款不因银行倒闭而受影响，美国于1933年通过银行法，决定成立联邦存款保险公司和联邦储蓄信贷保险公司，从而开创了现代金融业存款保险制度的新纪元。
It plays an important role in preventing bank insolvency from happening and reducing the loss of banks to the minimum level when the bank insolvency is inevitable and protecting the interest of depositors . the law of modern bank insolvency is one of the most important factors in the legal system of modern commercial banks 现代银行破产法律是以银行破产预防为主要特征，在防止银行破产及银行不能免于破产时减少银行损失从而保护存款人的利益等方面发挥着重要作用，被视为现代商业银行法律体系中一个极为重要的组成部分。
