關(guān)于企業(yè)不良資產(chǎn)的法律探討(已修改)
2025-07-05 05:35 本頁(yè)面
【正文】 淺論企業(yè)不良資產(chǎn)的法律研究論文摘要我國(guó)是社會(huì)主義國(guó)家,1978年開始實(shí)行改革開放。由此我國(guó)走上了從社會(huì)主義計(jì)劃經(jīng)濟(jì)到市場(chǎng)經(jīng)濟(jì)的大變革時(shí)代，從市場(chǎng)主體到經(jīng)營(yíng)方式等都發(fā)生了巨大變化。2000年后我國(guó)金融業(yè)開始加快改革步伐5大商業(yè)銀行在國(guó)務(wù)院的領(lǐng)導(dǎo)下紛紛開始了改組上市的征程。作為銀行也改革改變以往計(jì)劃經(jīng)濟(jì)的營(yíng)運(yùn)模式而轉(zhuǎn)向市場(chǎng)同國(guó)際化接軌，那就必須適應(yīng)市場(chǎng)的經(jīng)營(yíng)規(guī)則。由于以往計(jì)劃經(jīng)濟(jì)天下共一家的經(jīng)濟(jì)模式，從而導(dǎo)致了我國(guó)銀行業(yè)一開始改革就面臨著諸多問題，其中不良資產(chǎn)率極高是所有問題中最突出的問題，因此國(guó)家專門組建了4大資產(chǎn)管理公司處理5大商業(yè)銀行的不良資產(chǎn)同時(shí)外國(guó)及民間資本也涌入該行業(yè)，不良資產(chǎn)開始逐漸被重視和研究。不良資產(chǎn)既是復(fù)雜的金融和財(cái)務(wù)問題也是一個(gè)法律問題，從最原始的基點(diǎn)出發(fā)不良資產(chǎn)問題只是一個(gè)簡(jiǎn)單的債權(quán)債務(wù)問題，但由此為引申點(diǎn)可以進(jìn)一步不良資產(chǎn)的法律問題牽涉到民商法律部門的絕大部分內(nèi)容，主要有公司法、破產(chǎn)法、合同法擔(dān)保法等等。2010年10月份我進(jìn)入我們公司（江西長(zhǎng)城投資咨詢服務(wù)有限公司）從零起點(diǎn)開始接觸不良資產(chǎn)，經(jīng)歷了一個(gè)慢慢了解和深入的過程。因此為題一方面是為了完成學(xué)業(yè)進(jìn)一步豐富自己的法律知識(shí)，另一方面也是在總結(jié)自己的一些學(xué)習(xí)經(jīng)驗(yàn)同時(shí)進(jìn)行更進(jìn)一步的探討和研究，但是由于能力有限和篇幅有限只能大致的寫寫很宏觀的問題沒有進(jìn)一步的深入請(qǐng)各位老師多多包涵。本文分為8個(gè)部分，第一部分概述不良資產(chǎn)產(chǎn)生的原因，和目前中國(guó)不良資產(chǎn)的一個(gè)大致情況。第二部分是不良資產(chǎn)產(chǎn)生的原因從一個(gè)非金融專業(yè)的角度結(jié)合自己的工作認(rèn)識(shí)談了一下不良資產(chǎn)的產(chǎn)生。第三部分是從宏觀和法律學(xué)的角度闡述了一下不良資產(chǎn)與法學(xué)之間的密切聯(lián)系，也是一個(gè)很重要的過度章節(jié)為后面章節(jié)分部門法地闡述鋪墊了前提，也是開始正題的一個(gè)章節(jié)。其后的四的章節(jié)里依次圍繞著和不良資產(chǎn)很重要的五個(gè)部門法及重要理論展開論述，分別為公司法、合同及擔(dān)保法、破產(chǎn)法，程序法之民事訴訟法。最后為文章的總結(jié)。在分部門法中的主要行文結(jié)構(gòu)為首先進(jìn)行法律論述然后結(jié)合不良資產(chǎn)的問題進(jìn)行研究。本文除在不良資產(chǎn)的概念和法人人格否認(rèn)概念及相關(guān)內(nèi)容上借鑒于百度文庫(kù)外都是自己學(xué)習(xí)和研究的結(jié)果。關(guān)鍵詞: 不良資產(chǎn) 法律 公司法 合同、擔(dān)保法 破產(chǎn)法 民事訴訟法 AbstractChina is a socialist country, began in 1978 of the reform and openingup. Thus China onto from the planned economy to the socialist market economic reform era, from the market main body to the mode of operation and so on all changed. 2000 years after the reform of China39。s financial industry began to speed up the pace of 5 big mercial Banks under the leadership of the state council have started reorganization of listed on the journey. As the bank also reform change in the past the operational mode and planned economy to the market with international standards, it must adapt to the market management rules. Owing to the planned economy of the world a economic model, which led to the beginning of China39。s banking industry reform is faced with many problems, including bad ZiChanLv high all the problems is the most prominent problems, so countries set up the special four asset management pany to deal with the five big mercial Banks of the bad assets and foreign and folk capital pouring into the industry, bad assets gradually began to be attention and research. Bad assets is both plex financial and financial problems is also a legal problems, from the most primitive on the basis of bad assets problem is just a simple problem of creditor39。s rights debt, but it can be further extended points for the bad assets of legal issues involved legal department of civil most of the content, basically have pany law, bankruptcy law, contract law security law, etc. October 2010 I into our pany (jiangxi Great Wall investment consulting services Co., LTD.) from the zero the starting point contact with bad assets, experienced a slowly understanding and further process. So on the one hand under the is to plete their studies further enrich their knowledge of the law, on the other hand is also summarized in some of his own learning experience and further discussed and studied, but because the ability is limited and the scope is limited only r
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