新《企业破产法》对银行信贷业务的影响及对策

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.

Implications of the Law on Enterprise Bankruptcy on Commercial Bank's Credit Business and the Counter-measures

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 ...