General bank system maintenance takes one to two working days.

Before the promulgation of the "Commercial Bank Law" and the "General Principles of Loans", the public was still very unfamiliar with the concept of protection of bank claims. In recent years, with the continuous advancement of legal system construction, although the protection of bank claims in my country has made some progress, it still faces major difficulties. The main reason is:

The conflict between central and local interests. my country's four major banks, ICBC, Agricultural Bank of China, China Construction Bank, and China Construction Bank, own the absolute majority of the country's financial resources. The four major banks are all first-level legal persons and are controlled by the state.

Causes:

First, the use of leasing, contracting, trusteeship, reorganization, etc., such as when establishing a new enterprise, leasing all the equipment of the original enterprise and posting the principal and interest of the loan from the financial institution. Hanging, contracting all the company's equipment and assets to other companies or individuals to avoid bank debts. During corporate mergers and reorganizations, only effective assets will be merged and no bank debts will be assumed.

The second is to use restructuring methods to break the original old enterprises into pieces and turn them into multiple accounting units, diverting corporate assets, causing the old enterprises that actually bear bank debts to become "empty shells".

The third is to use the introduction of new investors to inject effective corporate assets as investments into newly established companies, leaving bank debts and non-performing assets in the original companies.

The fourth is to use long positions to open accounts and deliberately evade debts.

Reference for the above content: Baidu Encyclopedia-Bank Claims