如何避免企业通过破产逃避银行债务

How to avoid enterprise's dodging payment of banks debts by bankruptcy act

许多企业的破产,以牺牲银行利益为代价。造成这种现象的主要原因包括:立法滞后和不完善、企业无视法律和政策、政府对企业破产过分干预、银行自身防范意识不强等诸多方面。针对以上几个方面存在的问题,建议采取的措施包括:修订和完善《破产法》及其配套法规;理顺银行和企业的信用关系,建立符合现代企业制度要求的银企关系;充分利用法律手段,防止企业利用分立、兼并与破产相结合的方式,悬空银行债务;为保证银行信贷债权的顺利实现,银行应改善经营管理,提高自身的防范能力。

Many enterprises' bankruptcy act damage banks' interests . The main reasons which cause this problem include: delay of legislation and imperfect of legislation; enterprises ignoring law and policy; government intervenes enterprises' bankruptcy too much; the bank ' s defensive measure isn' t sanity, and so on. According to these questions, we will discuss methods of resolution in this text . These resolutions are as follows : revising bankruptcy law and relevant rules ; reforming the credit relations between the bank and the enterprise in term of the standard of modern enterprise management ; making the best of legal means ; preventing enterprise from using split and incorporation with bankrupt to hang the bank s credit in the air ; to sure the bank s credit of realization easily, the bank should reform management and improve the ability of safeguard.