摘要
从利益平衡和公共利益考察的视角出发,在破产重整程序中限制银行担保债权有其必要性与正当性。在我国破产法修订当下,立法仍存在对重整程序中担保债权的暂停行使范围不明、自动中止条款过于僵化、自动中止与恢复的程序性条款缺位以及担保物估值机制不完善等问题,使担保债权人的合法权益难以在破产重整程序中得到有效保障。对此,有必要借鉴域外如美国破产重整程序在权利中止、估值、保障等方面的成熟机制,在我国破产法中进一步细化自动中止及其救济条款,明确自动中止适用的“为重整必需”条件,并增设“充分保护”为兜底条款,合理分配债权债务人之间的举证责任,同时设置合理审限;确立“谈判估值方法为主,谈判与第三人中立评估相结合为辅”的担保财产估值机制与信用投标权,并着力搭建以银行担保债权人为主导的发声渠道。
From the perspective of interest balance and public interest, it is necessary and legitimate to restrict bank’s secured creditor’s rights in the bankruptcy reorganization procedure.At the moment of the revision of the Bankruptcy Law in China, there still exist problems about secured creditor’s rights in the bankruptcy reorganization procedure such as the unclear scope of its suspension, excessively rigid automatic stop clauses, absence of procedural clauses for automatic stop and relief, and imperfect collateral valuation mechanism, which make the secured creditor’s rights difficult to be effectively protected.In this regard, it is necessary to learn the extraterritorial mature mechanisms such as the American bankruptcy reorganization procedure in right suspension, valuation, and protection.In China’s bankruptcy law, the automatic suspension and its relief clauses shall be further refined, the “necessary conditions for reorganization” for the application of automatic suspension shall be made clear, “full protection” shall be added as the bottom-covering clause, burden of proof between creditors and debtors shall be reasonably allocatede, and a reasonable trial limit shall be setted while setting, while establishing the secured property valuation mechanism and the credit bidding right which is “negotiation valuation method mainly, combination of negotiation and third party neutral evaluation auxiliary”,and striving to set up a voice channel which is dominated by the bank’s secured creditor.
作者
王兰
黄伟佳
Wang Lan;Huang Weijia(School of Law,Xiamen University,Xiamen,Fujian 361000)
出处
《河南财经政法大学学报》
CSSCI
2022年第3期66-77,共12页
Journal of Henan University of Economics and Law
基金
2019年国家社科基金后期资助项目(项目编号:19FFXB033)
2020年福建省社科规划省法学会专项课题(项目编号:FJ2020TWFX003)的阶段性成果。
关键词
破产重整
银行担保债权
担保债权的限制
自动中止
信用投标权
bankruptcy reorganization
bank’s secured creditor’s rights
restriction on secured creditor’s rights
automatic stop
credit bidding
