摘要
相对于旧《企业破产法》而言,2007年6月1日施行的新《企业破产法》扩大了适用范围,明晰了破产条件,健全了破产法律责任追究制度,规定了跨境破产,调整了破产财产范围和债权的清偿顺序,新设了管理人、重整和撤销权等制度,新《企业破产法》的实施对银行信贷业务产生了重大影响。本文通过对新旧《企业破产法》进行比较,详细分析了新《企业破产法》的实施对银行信贷业务产生的影响,有针对性地提出了风险防范对策:正确选定融资对象,防范关联风险;严控贷款用途,关注借款及国家宏观调控政策的重大变化;全面掌握债务人财产状况;依法监督管理人行为等。
Compared with the old Law on Enterprise Bankruptcy, the new Law on Enterprise Bankruptcy, coming into force on June, 1, 2007, extends the scope of application, clarifies the bankruptcy conditions, perfects the law accountability system, defines the cross-boundary bankruptcy, adjusts the scope of bankruptcy property and the insolvent order, and increases new provisions about reorganization, withdrawal right, etc.. The new law makes significant impacts on commercial bank＇s credit business. In contrast with the old one, the paper elaborates those impacts and puts forward corresponding counter-measures to control risks： prudently selecting financing objects to make precaution against risks resulted from related trade; strictly controlling the loan use and paying close attention to the change of macro-control policies; having a comprehensive grasp of debtor＇s property; supervising executives＇ behaviors in conformity with legal provisions.
出处
《金融论坛》
CSSCI
北大核心
2008年第8期58-63,共6页
Finance Forum
关键词
企业破产法
商业银行
信贷业务
the Law on Enterprise Bankruptcy
commercial bank
credit business
