Kubvumirwa kwekupedzisira kwekuvandudzwa kwemakwikwi kwakatora nguva kumirira, asi kwakazoona chiedza mumusangano unoshamisa weCongress of Deputies musi waNyamavhuvhu 25, mushure mekuramba zvigadziriso izvo Senate yakaunza muvhoti yayo musi waChikunguru 20.
Zvinangwa zvekuvandudza
Mutemo mutsva, uyo unotanga kushanda munaGunyana 26, ishanduko yakamirirwa kwenguva refu, sezvo kuwedzerwa kwegore rimwe kwakakumbirwa neHurumende muna Chikunguru 2021 kwakange kwatopera, zuva iro zuva rekupedzisira rekufambisa iro rinozivikanwa seRestructuring. Directive [Directive (EU) 2019/1023 yeParamende yeEuropean uye yeKanzuru, yaChikumi 20, 2019, pamusoro pezvirongwa zvekudzivirira kugadziridzwa, kubvisirwa zvikwereti uye kusakodzera, uye pamatanho ekuwedzera kushanda kwemaitiro ekugadziridza, kutadza kubhadhara. uye kubvisirwa chikwereti, uye kugadzirisa Directive (EU) 2017/1132 yeParamende yeEuropean uye yeKanzuru, pane zvimwe zvinhu zvemutemo wekambani]
Shanduko iyi inotsvaga kurwisa mipimo mikuru yeSpanish insolvency system, iyo Preamble inoisa muzvikamu zvina: pre-kubhuroka zviridzwa, kunonoka kubhuroka, nguva yakawandisa yekubhuroka, iyo zvakare inopera nguva dzose (90% yemakesi) mukuvharwa. uye pasina kutenderana; uye kushoma kushandisa mukana wechipiri. Iyi ishanduko iyo "inoda kugadzirisa iyi seti yezvisingakwanisi kuburikidza nekureba kwemaitiro ekugadzirisa einsolvency system."
Kugadziridzwa mumakwikwi
Kuti uite izvi, suma shanduko dzakawanda muBhuku rekutanga, iro rine hukama nemakwikwi, pakati pawo anobuda pachena:
- Iyo itsva mutemo wechibvumirano, iyo inobvisa mukana wepamberi yekurudziro, musangano wevakwereta uye kunyorwa kwayo kwakanyorwa. Zvakare, suma mukana wekugadziridzwa kwezvinhu uye suma mvumo inodiwa zvakare muchikamu chino.
-Kubviswa kwezvirongwa zvekuvharirwa, sezvavaizivikanwa kusvika zvino.
- New regulation yemakiredhiti inopesana nehuwandu uye kusakwana kwehuwandu.
-Mitemo mitsva yemakwikwi pasina misa.
-Kubatanidzwa kwemazwi eTRConc pakutevedzana kwemakambani nekuda kwekutengeswa kwechikamu chinobudirira mukubhuroka, nekudaro kuvhara nhaurirano dzine chekuita nenyaya yekuti kuganhurwa kwe "perimeter" ibasa remutongi wekubhuroka.
- Shanduko dzakakosha dzinobata mamiriro emakwikwi eKutonga, kunyanya kufanirwa uye mirau mitsva inoshanda kune iyi miripo yave ichizivikanwa, pakati peiyo mutemo wenguva inomira pachena.
- Tsamba yechisikigo inopiwa kune insolvency pre-pack.
– New features vakaiswawo muna BEPI kana kubatsirwa exoneration pamusoro asingagutsikani mutoro anorasikirwa "B" kubatsirwa, nokuti wemitemo anoda kufurira kuti "kodzero munhu ane chikwereti chaiwo". Ivo vanorerutsa maitiro avo, zvinotsvakwa kuti kubviswa kwekutanga kwezvinhu zvemukwereti hakusi kudikanwa nguva dzose kuti vakanganwirwe zvikwereti zvavo, asi hazvibviri kubvisa zvikwereti zveveruzhinji, kunze kwekugumira 10.000 euros yeTreasury uye imwe 10.000 euros. yeSocial Security. Zvinoda pachena kuti chisungo chevanorejista vane mhosva yekuvandudza ruzivo rwevakaregererwa, kuti vakwanise kuwana mari. Iyo inosanganisirawo hutsva hwekugara hutongi mu (B) EPI.
New pre-makwikwi: kurongazve zvirongwa
Iyo axis yeiyo nyowani pre-bankruptcy zvirongwa zvekugadziridza, izvo zvinotsanangurwa se "chiito mudanho rematambudziko pamberi peiyo yezvino pre-bankruptcy zviridzwa, pasina rusarura rwune chekuita nekubhuroka uye nehunhu hunowedzera kushanda kwayo. ". Kusuma kwaro kunoratidza shanduko huru yeBhuku rechipiri reTRConc, iro rakaonekana kune zvibvumirano zvekubhadhara mari uye zvibvumirano zvekubhadhara kunze kwedare.
Iyo nyanzvi yezvekugadzirisa zvakare mumiriri mutsva munzvimbo yekubhuroka, "kugadzwa kwake kwakafungidzirwa nekuraira mune dzimwe nyaya." Inosimbisawo kutaridzika kwechirevo chekugona kwekushaya mari, "kana zvichionekwa kuti, kana chirongwa chekugadzirisa chikasasvika, uyo ane chikwereti haakwanisi kugara achizadzisa zvisungo zvake zvinopera mumakore maviri anotevera."
Mukutenderwa kwematare ezvirongwa izvi, pane mukana wekuti vakweretesi vanomiririra zvinopfuura 50% yezvikwereti zvakakanganisika vakambokumbira mvumo yekutonga yemakirasi evakwereta, iyi pfungwa nyowani ye "kirasi yevakweretesi" yakakosha. Kana chirongwa ichi chakatenderwa kune ese marudzi ekiredhiti uye kune ane chikwereti nevamwe vake, kunetseka nezvezvakanakisa zvevakwereta kunounzwa sechikonzero chitsva chekunetsa. Kana pasati pave nekubvumirana kwevose vamiririri ava, zvinyorwa zvinosarudza mutemo wekunyanya kukosha, imwe yezvisarudzo zvinopiwa nekuraira uye maererano nokuti "hapana munhu anogona kuunganidza zvinopfuura izvo zvakakweretwa kana zvishoma pane izvo Mazvita. iwe".
Special process for microenterprises
Wedzera bhuku idzva rakatsaurirwa kune yakakosha maitirwo emabhizinesi madiki, "yakasarudzika uye yakasarudzika yakagadziridzwa insolvency mechanism" kune zvinodiwa nemakambani aya "anozivikanwa nekurerutsa maitiro". Nechinangwa chekuchinja kwekubhuroka, zvinonzwisiswa kuti bhizinesi rako diki, iro raunopinza basa, rine vashandi vasingasviki gumi uye richava nemubhadharo wepagore wepasi pe10 euros kana chikwereti chiri pasi pe700.000 euros. Kune makambani aya, maitiro avo akakosha anounza pamwe chete maitiro epamberi ekubhuroka uye kubhuroka, kuitira kuti vasazokwanisa kuwana zvirongwa zvekugadziridza.
Cobran kunyanya inosimudza zvirongwa zvekuenderera mberi, zvakaenzana nemagungano emakwikwi, asi umo mitemo yemutambo inoshanduka uye nheyo inotonga kuti "ani nani akanyarara anopa", kuitira kuti "zvinzwisise kuti mukweretesi asingabudisi kwete vhoti inoenderana nehurongwa”, nekudaro vachitsvaga kukurudzira kutora chikamu kwevakwereta muhurongwa uhu.
Kana iri kuvharwa, kushandiswa kwechikuva chekumisikidza kunotarisirwa kusvika kune Ministry of Justice uye kunofanirwa kunge kwakagadzirira mumwedzi mitanhatu. Muzviitiko zvese, kushandiswa kweiyo nzira yakakosha pakuitwa kwepuratifomu iyi kunosungirwa.
Muchiitiko chekuti uyo ane chikwereti-microenterprise ari munhu wechisikigo, zvinonyatsozivikanwa mushure mekusununguka kwepamutemo rubatsiro, kune ese maitiro eiyo yakakosha maitiro. Saizvozvo, ramba uchifunga kuti Organic Law 7/2022 inoratidzira kugona kuziva aya maitiro kune vatongi vekutengesa.
Tekinoroji nyowani dzakabatana neinsolvency process
Pamusoro peiyo yambotaurwa yekumisikidza chikuva cheyakakosha insolvency maitiro, shanduko inoratidzika kunge yakanyura tekinoroji, ine fungidziro yezvishandiso zvinozoona chiedza chezuva mune zvinoita kunge ramangwana riri pedyo:
-Chirongwa chekuverenga otomatiki chechirongwa chepeji, chinowanikwa pamhepo uye chemahara kumushandisi, icho chinosanganisira kuenzanisa kwakasiyana kwechirongwa chekuenderera mberi.
- Pamberi pekupinda musimba kweBhuku Rechitatu, mafomu epamutemo anofanirwa kunge akagadzirira, kuwanikwa pamhepo uye pasina muripo, fungidziro yekutonga uye kusimudzirwa kweiyo yakakosha maitiro emabhizinesi madiki.
-Kupa mazano kumakambani madiki nepakati ari mumatambudziko panguva yekutanga yematambudziko nechinangwa chekudzivisa kusabhadhara kwavo. Iyi sevhisi ichapihwa nekukumbira kwemakambani, ichave yakavanzika uye haizomanikidzira chero chisungo chekuita kune makambani anoishandisa, uye hazvizorevi chero fungidziro yemutoro kune vanopa masevhisi.
- Webhu yekuzviongorora wega yehutano hwebhizinesi inobvumira makambani madiki uye epakati nepakati kuti aongorore mamiriro avo ekugadzirisa.
-Liquidation portal muPublic Bankruptcy Registry. Mukati menguva yakareba yemwedzi mitanhatu kubva pakupinda musimba rekuchinja: ichange iine runyorwa rwemakambani ari mu bankruptcy liquidation phase uye chero ruzivo rwakakosha kufambisa kuraswa kwezvose zvakatangwa uye mapurazi kana zvikamu zvekugadzira.
