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在资本主义市场经济条件下,银行和企业一样,时常受到倒闭的威胁。仅在1929年至1933年的经济大危机中,美国就倒闭银行9108家。1991年7月3日,总部设在卢森堡的国际商业银行因“洗钱”而破产,使世界上69个国家和地区的几十万存款人受到创伤。随着我国市场经济体制的逐步确立,我国的银行业也将面临着同样的问题。1995年7月1日起正式实施的《中华人民共和国商业银行法》第七十一条规定:“商业银行不能支付到期债务,经中国人民银行同意,由人民法院依法宣告其破产。”如果中国真的出现银行倒闭,存款户的利益将如何实
Under the capitalist market economy, banks, like businesses, are often threatened with bankruptcy. In the economic crisis of 1929-1933, the United States closed 9108 banks. On 3 July 1991, the bankruptcy of the International Commercial Bank, headquartered in Luxembourg, for “money laundering” wounds hundreds of thousands of depositors in 69 countries and regions. With the gradual establishment of the market economy system in our country, the banking industry in our country will also face the same problem. Article 71 of the Law of the People’s Republic of China on Commercial Banks, which came into effect on July 1, 1995, stipulates: “Commercial banks can not pay their debts as they become due. With the consent of the People’s Bank of China, the People’s Courts declare their bankruptcy according to law.” If China really has bank failures, depositors’ interests will be real