民营企业破产中金融债权保护的法律思考--以温州为例

Legal Consideration of Financial Claim Protection in Bankruptcy of Private Enterprises——an Investigation from Wenzhou,Zhejiang Province

在市场经济条件下通过破产去产能是一种有效方式,其中《破产法》发挥着举足轻重的作用。我国2007年6月1日正式颁布的《企业破产法》,在债权人自治、破产管理人、清偿顺序、破产撤销权与无效行为制度、强化破产责任等方面均有较大的突破,但从温州实践情况来看,金融机构作为破产企业的主要债权人,由于受偿时间长、受偿率低以及破产过程中部分企业以各种形式逃废银行债务等问题影响,参与破产的积极性普遍不高。因此,如何规范破产相关法律制度,加强破产中的金融债权维护,对确保破产工作的顺利实施显得尤为重要。本文主要从法律层面梳理和分析金融债权保护在企业破产中碰到的主要问题及原因,提出企业破产中加强金融债权保护的建议和有效措施。

Under the condition of market economy, it is an effective way to reduce capacity by going bankrupt. And the ＂bankruptcy law＂ plays an important role in this situation. ＂PRC Enterprise Bankruptcy Law＂ was officially promulgated in June, 2007, which had improved significantly in terms of the creditor autonomous, bankruptcy administrator, satisfaction order, bankruptcy revocation rights, invalid behavior system, strengthen bankruptcy liability etc. But judging from the real situaction of Wenzhou, financial institutions, as the major creditors of bankrupt enterprises, do not have the activeness in participation of bankruptcy, which is due to the bad influence of a long time compensation, low repayment rate and some enterprises that use various forms to evade bank debts. Therefore, regulating the bankruptcy legal system and strengthening the maintenance of bank creditor ＇s rights in Bankruptcy really make sense to guarantee the smooth implementation of bankruptcy work. This paper focuses on combing and analyzing the main problems and causes of financial claim protection in bankruptcy, and puts forward the effective proposals.