我国商业银行破产法律制度构建的反思

Reconsideration on our Commercial Bank Insolvency Legal System Construction

在我国商业银行破产法律制度的构建中,对有关理念问题的研究远比对制度本身的研究更为重要。要构筑适合我国国情和经济发展需要的银行破产制度体系,必须首先对我国银行业的现状和银行业对法律的实际需求做出冷静审视。机械地在破产清算主义和再建主义之间作出非此即彼的选择是极其有害的,正确的做法应该是在衡平二者之间关系的基础上进行有选择地扬弃和继承。

In the construction of our commercial bank insolvency legal system, the research on related legal concepts is more important than the research on the system itself. In order to construct the bank insolvency system that fit for our national conditions and economy development, we should first examine the present situation of banking and the law that the baking actually need. On the basis of the discussion about the nature of the commercial bank law, it~ harmful to choose either bankruptcy-liquidationism or bankruptcy-reconstructionism by rule, and the right way is to develop the useful and discard the useless based on the balance of the two above.