“僵尸企业”破产重整中银行债权实现的法律保障
发布时间：2018-07-15 08:30
【摘要】：破产重整是问题企业恢复健康的一项重要制度。实践中,银行作为"僵尸企业"破产重整中最大的债权人,其债权保护面临两方面的突出问题:一方面,重整计划批准过程中缺少必要的正当程序、强制批准情况下重整计划草案的内容设计不利于银行债权的实现;另一方面,在具体重整方法中,银行债转股方式面临法律适用上的障碍。在"僵尸企业"市场处置过程中,银行债权实现法律保障的内容主要包括:其一,通过建立重整计划草案批准前的正当程序,给予银行债权人能够充分表达自己意见的机会;其二,通过重整计划草案批准后的异议机制,来保障债权人权益的有效救济;其三,通过银行与金融资产管理公司、银行与普通企业等不同主体间"债转股"方式的分析,结合《商业银行法》、《破产法》、《担保法》、《公司法》等法律,提出银行与"僵尸企业"间债转股的具体内容,推进银行债权以市场化处置的方式实现。
[Abstract]:Bankruptcy reorganization is an important system for problem enterprises to recover their health. In practice, as the biggest creditor in the bankruptcy and reorganization of "zombie enterprises", the bank's creditor's rights protection faces two outstanding problems: on the one hand, there is a lack of necessary due process in the process of approval of the reorganization plan. Under the circumstance of compulsory approval, the content design of the draft reorganization plan is not conducive to the realization of the bank's creditor's rights. On the other hand, in the specific reorganization method, the bank's debt-for-equity conversion is faced with obstacles in the application of the law. In the process of "zombie enterprise" market disposal, the main contents of the legal protection of bank creditor's rights include: first, by establishing the due process before the approval of the draft reorganization plan, the bank creditors can fully express their opinions; Second, through the objection mechanism after the approval of the draft reorganization plan, to protect the effective relief of creditors' rights and interests; third, through the analysis of the way of "debt-for-equity" conversion between different subjects such as banks and financial asset management companies, banks and ordinary enterprises, etc. Combined with the laws of Commercial Bank Law, bankruptcy Law, guarantee Law and Company Law, this paper puts forward the concrete contents of the conversion of debts into shares between banks and "zombie enterprises", so as to promote the realization of bank creditor's rights in the way of market-oriented disposal.
【作者单位】： 辽宁大学法学院;
【基金】：教育部哲学社会科学重大课题攻关项目“加快发展民营金融机构的法律保障研究”(13JZD012) 司法部国家法治与法学理论研究项目立项课题重点项目“中国推动国际金融秩序变革的法律问题研究”(12SFB1006)的阶段性成果
【分类号】：D922.291.92
本文编号：2123470
[Abstract]:Bankruptcy reorganization is an important system for problem enterprises to recover their health. In practice, as the biggest creditor in the bankruptcy and reorganization of "zombie enterprises", the bank's creditor's rights protection faces two outstanding problems: on the one hand, there is a lack of necessary due process in the process of approval of the reorganization plan. Under the circumstance of compulsory approval, the content design of the draft reorganization plan is not conducive to the realization of the bank's creditor's rights. On the other hand, in the specific reorganization method, the bank's debt-for-equity conversion is faced with obstacles in the application of the law. In the process of "zombie enterprise" market disposal, the main contents of the legal protection of bank creditor's rights include: first, by establishing the due process before the approval of the draft reorganization plan, the bank creditors can fully express their opinions; Second, through the objection mechanism after the approval of the draft reorganization plan, to protect the effective relief of creditors' rights and interests; third, through the analysis of the way of "debt-for-equity" conversion between different subjects such as banks and financial asset management companies, banks and ordinary enterprises, etc. Combined with the laws of Commercial Bank Law, bankruptcy Law, guarantee Law and Company Law, this paper puts forward the concrete contents of the conversion of debts into shares between banks and "zombie enterprises", so as to promote the realization of bank creditor's rights in the way of market-oriented disposal.
【作者单位】： 辽宁大学法学院;
【基金】：教育部哲学社会科学重大课题攻关项目“加快发展民营金融机构的法律保障研究”(13JZD012) 司法部国家法治与法学理论研究项目立项课题重点项目“中国推动国际金融秩序变革的法律问题研究”(12SFB1006)的阶段性成果
【分类号】：D922.291.92
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