在我国过去一直实行计划经济,银行业属于国家所有,不存在因经营不善或由于不可抵御的风险和意外事故而破产倒闭.因此,银行业在国内居民心中信誉很高.在1995年颁布并实施的《商业银行法》第七十一条中已明确规定允许商业银行破产,如果银行倒闭变成现实,就很容易引发金融恐慌,甚至危及社会稳定. In the past, the planned economy was practiced in our country and the banking industry belonged to the state, and there was no bankruptcy due to mismanagement or due to irresistible risks and accidents. As a result, the banking industry enjoyed a high reputation among domestic residents. It was promulgated and implemented in 1995 Article 71 of the Commercial Bank Law clearly stipulates that commercial banks should be allowed to go bankrupt. If the bankruptcy becomes a reality, it will easily trigger financial panic or even endanger social stability.