企业破产中的金融债权保护法律问题研究

Research on the Legal Issues of the Protection of Financial Creditor's Rights in Enterprise Bankruptcy

我国2006年颁布的《破产法》,对于我国市场经济起到很大的规范作用,其中不仅涉及到企业利益,还涉及到银行利益。金融债权保护一直以来都是企业破产中涉及的主要问题,文章分析《破产法》对企业金融债权的保护,以及金融债权的保护方式,并与英美法系中类似的相关制度进行比较,分析我国企业破产中的实际问题,提出从重构破产程序;债务重组程序;强化管理职责;审查重整资格;完善内部管理;明确信息披露;避免债务逃废;保障信息获取等方面保护金融债权。

The“Bankruptcy law”was promulgated in 2006 in China,it plays a normative role in our country’ s market economy. The law involves not only the interests of enterprise,but also the interests of bank. The protection of financial creditor is always an important problem that the law should pay attention to. This article focuses on the brief overview of financial creditor,analyzes how the Bankruptcy Law protects the enterprise’s financial creditor. It also compares our Enterprise Bankruptcy Law with similar related regulations in western law system,analyzes the practical problems in our country enterprise bankruptcy. Finally,it puts forward the protection measures for financial creditor’s rights such as refactor the bankruptcy procedure and debt reconstructing program,strengthen management responsibilities,review reforming qualification,improve internal management,clear the information disclosure,avoid debt evasion and guarantee the freedom of information acquirement.