与国外商业银行破产原因成熟立法相比较,我国尚未明确商业银行破产原因。因此,现行处理银行危机上表露诸多弊端。本文针对我国现行商业银行破产原因不足之处,基于公共利益考量,结合效益原则对商业银行破产原因进行特殊性界定,以使破产程序合理化。我国商业银行破产原因分析金融机构作为市场经济中的重要形态,对经济增长与发展起着巨大的作用。鉴于我国转轨经济以来特殊的经济特征,使我国金融市场的外部环境以及 Compared with the mature legislation on the causes of bankruptcy of foreign commercial banks, the reason for the bankruptcy of commercial banks is not yet clear in our country. Therefore, the current handling of the banking crisis has revealed many drawbacks. In this paper, according to the reasons for the bankruptcy of the current commercial banks in our country, based on public interest considerations, we combine the principle of profit with the special definition of bankruptcy reasons in order to rationalize the bankruptcy procedure. Analysis of the Causes of the Bankruptcy of China’s Commercial Banks Financial institutions, as an important form in the market economy, play an enormous role in economic growth and development. In view of the special economic characteristics of our country since the transition to the economy, the external environment of our financial market and