银行业债权人委员会制度：理论基础、现实需求与优化路径--以河南省为例

Experiments' Practices and Optimazation of the Creditor Committee System in Henan

在中国经济发展处于下行期且系统性、区域性金融风险等问题蔓延的背景下,银行业金融机构通过组建债权人委员会,一方面,可以加强债权行的沟通协调,联合行动,维护债权人的合法权益,化解金融风险;另一方面,有利于在依法合规的前提下,运用市场化原则实现企业债务重组,逐步恢复企业的偿债能力,避免单独追债引发的企业破产等问题。推进债权人委员会制度,既是降低银行不良资产的重要途径,也是帮助困难企业渡过难关、提高企业竞争力的重要手段。本文以河南省为例,就银行业金融机构利用债权人委员会支持优质企业、帮扶困难企业发展的问题进行了探索和研究。本文首先概述了推行债权人委员会制度的背景及国内外发展现状进行描述;然后结合我国经济的具体情况,分析了实施债权人委员会制度的必要性,并对债权人委员会制度在河南的具体实施路径进行了研究探讨,同时提出了相关建议。

China＇s economy is floundering, the relationship between banks and enterprises is deteriorating, and systemic regional financial risks are severing. In this situation, China＇s banks are volunteered and guided to form a creditor committee to strengthen the co-ordination and joint action between banks and debtors. This action is beneficial to avoid bankruptcies and restore the solvency of enterprises using debt restructuring based on the market economy principles. The creditor committee is important method to reduce the non-performing loans, to help enterprises weather the difficulty stages and increase the competition ability of enterprises. This paper studies how the creditor committee support healthy enterprises with Henan province, summarizes the literature on creditor committee, and then discusses the necessities of setting up the creditor committee with China＇s economic reality as background,. Finally, the specific approaches to set up the creditor committee in Henan province are discussed and several policy suggestions are proposed.