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1998年,运营2年10个月的海南发展银行关闭。这是自中华人民共和国成立以来,金融史上首家由于支付危机而关闭的拥有省政府背景的商业银行。如今,回首这家被违规经营和挤兑风潮击垮的商业银行当时的倒闭情形,分析其倒闭原因,提出预防机制,或许将对当下以及将来银行业的发展或关闭有所助益。海南发展银行(简称海发行)的成立,曾经承载了很多人的希望和梦想。背负着包袱上路
In 1998, the Hainan Development Bank, which operates for two years and 10 months, was closed down. This is the first commercial bank in the history of the financial industry that has been closed down by the payment crisis and has a provincial government background since the founding of the People’s Republic of China. Now, looking back at the then bankruptcy of this commercial bank run by the illegal operation and the run-away bank, analyzing the causes of the bankruptcy and proposing the preventive mechanism may help the development of the banking industry now and in the future. The establishment of Hainan Development Bank (hereinafter referred to as the sea issue) has carried many people’s hopes and dreams. Burdened with burden on the road