商业银行债权人委员会运行机制问题研究

Operational Mechanism for Creditors' Committee for Commercial Banks

本文介绍了商业银行债权人委员会制度的概念、主要作用及产生原因,比较分析了国内外商业银行债权人委员会制度的产生发展和主要区别,从粤海、APP、德隆、三九、啤酒花债务重组的实践入手,剖析了当前我国商业银行债权人委员会制度运行的主要实践、困难、原因、经验和教训,得出以下基本结论:我国的商业银行债权人委员会制度尽管在法律环境、制度安排和具体操作方面存在很多的不足,但确实已成为商业银行处理重大企业债务危机的一个现实选择,并将成为市场化、法制化、规范化处置企业债务危机的一种新趋势。本文也针对存在的问题与不足,给出了完善我国商业银行债权人委员会制度的相关政策建议。

In the present paper, the system of creditors' committee of commercial banks is introduced in terms of the concept, functions and origin. Comparison is made on the development of and difference between domestic and foreign system of creditors' committee for commercial banks. Based on the debt restructuring of Yuehai, APP, Delong, Sanjiu and Pijiuhua, analysis is made of the operations, problems, cause, experience/lessons in the system of creditors' committee of Chinese commercial banks at work. Conclusion is drawn that: although there is much to be desired in legal environment, system arrangement and practice, the said system has become an applicable alternative to handle importance enterprise debt crisis and will be a new trend to deal with enterprise debt crisis with marketized, legalized and standardized approaches. Policy suggestions of improvement are given in relation to the problems and loopholes in the system in our country.