深圳个人破产试点4年 住房公积金成重要偿债源

Core Insights - The implementation of personal bankruptcy reform in Shenzhen highlights the importance of housing provident funds as a significant source of repayment for bankrupt debtors [1][3][5] - Shenzhen has established a mechanism for efficient handling of bankruptcy cases involving housing provident funds, marking a pioneering step in personal bankruptcy reform in China [1][3][7] Group 1: Personal Bankruptcy Reform - Shenzhen has been a leader in personal bankruptcy reform, having conducted trials for over four years, with the formal implementation of the Shenzhen Special Economic Zone Personal Bankruptcy Regulations in March 2021 [1][2] - As of June 2023, there have been 1,738 publicly listed personal bankruptcy cases in Shenzhen since June 2021 [2] Group 2: Housing Provident Fund as a Repayment Source - The housing provident fund has been identified as a crucial repayment source for personal bankruptcy debtors, prompting the establishment of a judicial assistance mechanism to facilitate its use in bankruptcy proceedings [3][5] - The new implementation opinions aim to enhance the debt repayment capacity of debtors by addressing challenges related to the use of housing provident funds in bankruptcy reorganization plans and agreements [3][7] Group 3: Management and Oversight - The Shenzhen Bankruptcy Management Office is responsible for determining the qualifications of personal bankruptcy administrators and maintaining a roster of these administrators [3][4] - An announcement was made on June 12 regarding the selection of personal bankruptcy administrators, involving five law firms through a public lottery process [3][4] Group 4: Coordination and Efficiency - The implementation opinions also optimize the handling of housing provident fund issues in corporate bankruptcy procedures, addressing previous shortcomings in the investigation of unpaid provident funds by bankrupt enterprises [5][7] - A collaborative mechanism has been established among the Shenzhen Bankruptcy Management Office, the Housing Provident Fund Management Center, and the bankruptcy court to enhance the efficiency and satisfaction of bankruptcy proceedings [7]