The rights and duties of natural persons during proceedings on discharge of the debt Abstract The main aim of the thesis is to describe the institute discharge of the debt that is defined in the Act No. 182/2006 Coll., on Bankruptcy and its solution (Insolvency Act). The thesis analyses the discharge of the debt from the perspective of the debtor, natural person. The thesis presents a status of the debtor, his rights and duties during insolvency, respectively presents the discharge debtor of his debt. The purpose of the thesis is to describe valid legal regulation, the description of the court decisions in the use of the Insolvency Act, the expert's opinions and the problems with the imperfection of the Insolvency Act, in the part of the discharge of the debt. In the first part, the thesis characterizes the history of the insolvency act and discharge of the debt in the Czech countries since 18th century. Next chapter defined some terms for the thesis important. Specifically, there is defined the term of the debtor. With regard to the discharge of the debt as one of debt-eliminating modes of solving bankruptcy of the non-businessmen's person, the thesis analyzes the term of non-businessmen's person in one of the subchapter. There are defined next terms, guarantor, co-debtor, the term of husband or wife of...

Thesis (LL.M. (Estate Law))--North-West University, Potchefstroom Campus, 2007.

The purpose of this paper is to find some features about how long the surplus will stay below zero and how to reduce time surplus being negative.

Magistro darbe yra suformuluotos gyventojų nemokumo Lietuvos bankams problemos, išanalizuoti ir susiteminti įvairių Lietuvos ir užsienio autorių teoriniai ir praktiniai namų ūkių nemokumo kreditinėms institucijoms tyrimai, įvardinti veiksniai, darantys įtaką šalies gyventojų mokumo būklei, įvertinta finansinių įsipareigojimų komerciniams bankams našta, pateiktos prevencinės priemonės padėsiančios sumažinti gyventojų nemokumą šalies bankams. Išsamiai analizuojami makroekonominiai ir kiti faktoriai, veikiantys Lietuvos gyventojų nemokumą. Atlikta Lietuvos komercinių bankų paskolų gyventojams portfelio analizė. Patvirtinama autorių suformuluota mokslinio tyrimo hipotezė, kad Lietuvos gyventojų, turinčių paskolas, nemokumo mastai auga priklausomai nuo makroekonominių ir kitų rodiklių pokyčių. / This master‘s final paper formulates problems of people insolvency for Lithuanian banks; it analyzes and systemizes theoretical and practical research into insolvency for credit institucions conducted by various Lithuanian and foreign authors; presents factors which influence on insolvency contition of country’s population. It also evaluates burden of financial liabilities for comercial banks and produces precautionary means to reduce people insolvency. The paper presents a detailed analysis of Lithuanian comercial banks loans portfolio for citizens. The authors formulated scientific research, that Lithuanian’s insolvency grows because of macroeconomics and other factors variation, is confirmed.

The dissertation deals with credit risk and default prediction for software companies in the light of Basel II, the new capital accord for financial institutions. A credit risk model was developed which can be used by lenders to predict the default of software companies. Such model was developed by using three independent approaches: In a first approach, a model was created which was based solely on quantitative data (i.e. accounting data). In a second approach, a model was developed which was based entirely on qualitative information, including management skills, know how, quality of services and others. In a third approach, the quantitative and the qualitative models were combined. The results indicate that a credit risk model which is based on both quantitative and qualitative information yields the strongest predictive power. (author´s abstract)

Article 21 of the Insolvency Act states that the estate of the solvent spouse transfers to the curator of the insolvent spouse's sequestrated estate. The solvent spouse then has the burden to request the release of property vested in the curator of the insolvent estate. In accordance with Article 21(2), the spouse is required to prove a lawful title on the property. Should the spouse be able to prove a lawful title on the property, the curator is obligated to release the property. Although the constitutionality of this temporarily "deprivation" of the solvent spouse of her rights has already been confirmed by the Constitutional Court; it imposes drastic limitations to his/ her rights. The Insolvency Act does not incorporate procedural measures by means of which the curator has to establish whether the solvent spouse has exempted his/ her from the proof burden. In the same breath, the Constitution and the Promotion of Administrative Justice Act warrant that "everyone has the right to administrative action that is lawful. reasonable and procedurally fair." If the curator's actions, in accordance with Article 21. conform to the administrative procedures as set out in the Promotion of Administrative Justice Act, the spouse shall be entitled to administrative actions which are procedurally fair as concluded within the Promotion of Administrative Justice Act. The conclusion is proof that the actions of the curator, in accordance with Article 21 of the Insolvency Act, is indeed administrative by nature and that the solvent spouse has the right to administrative actions which is procedurally fair as prescribed in the Promotion of Administrative Justice Act, as well as the right to reasons for not being granted the release of property. / Thesis (LL.M. (Estate Law))--North-West University, Potchefstroom Campus, 2007.

På senare tid har fråga om jäv vid konkursförvaltaruppdrag uppkommit i samband med flera större konkurser. Konkursförvaltarnas uppgifter blir allt mer avancerade och idag tar förvaltarna många viktiga beslut i sin förvaltning. Det är givetvis väldigt viktigt att en konkursförvaltare är oberoende vid sin handläggning av en konkurs. Att någon i en maktposition med behörighet att ta beslut som kan påverka någon annan negativt om den i maktpositionen är jävig strider mot grundregeln för en objektiv och opartisk rättsskipning. Det stipuleras i lag att en konkursförvaltare inte får anta ett förvaltaruppdrag om han står i ett sådant förhållande till gäldenären, en borgenär eller någon annan att det är ägnat att rubba förtroendet för hans opartiskhet i konkursen. Utöver regleringen i lagen finns rekommendationer om god förvaltarsed. Oaktat bestämmelserna antar vissa konkursförvaltare uppdrag trots att en beaktansvärd risk för jäv föreligger. Systemet bygger på självgranskning och någon strängare påföljd saknas. Konkursförvaltarna följer inte alltid rekommendationerna, utseendeprocessen av förvaltarna är oreglerad och systemet med att en person kan föreslå en förvaltare leder ofta till att en osund relation uppstår. I förarbeten, utredningar och artiklar har jävsproblematiken diskuterats och det har under åren givits alternativ på förbättringar av systemet. Förslag som har uppkommit har exempelvis varit att en auktorisation av konkursförvaltarna ska införas, att en ny tillsynsmyndighet ska inrättas och/eller att en ny lag för konkursförvaltarna ska konstrueras. Genom införandet av en auktorisation skulle utseendeprocessen för det första bli reglerad samt skulle kunskapsnivån för förvaltarna förbättras och lättare kunna upprätthållas. Dessutom skulle en konkursförvaltare om han missköter sitt uppdrag kunna fråntas sin auktorisation, med rätt att överklaga beslutet. En ny tillsynsmyndighet skulle innebära att en specialiserad myndighet infördes. Myndigheten skulle kunna handha auktorisationen, utseendet av förvaltarna samt utöva tillsyn över förvaltarna. Ett sådant system används idag för revisorerna, där det är Revisorsnämnden som auktoriserar och granskar revisorerna. Eftersom dagens reglering i frågan om konkursförvaltarjäv är undermålig är resultatet av uppsatsens utredning att en reform är nödvändig.

This study aims to add a new dimension to research in Australia on the use of accounting ratios to predict corporate failure. Previous studies have used the statistical technique of discriminant analysis to derive models for predicting whether a firm will or will not fail. This study will use the same statistical technique but with three differences: / (a) The ratios to be used in the discriminant analysis are selected by a method which ensured that no arbitrary limit is placed on their number. / (b) Because the significance of accounting ratios can vary from industry to industry, four industries are separately analysed: manufacturing, retail, property, and finance. / (c) The statistical probabilities yielded by the analysis are used to measure a firm’s current level of insolvency risk. / The extra dimension is added by interpreting the characteristic patterns of insolvency risk which emerge: an analysis of the factors causing the differences in these patterns throws new light on the causes, symptoms, and remedies of financial distress.

Universiẗat, Diss., 2005/06--Hamburg. / Includes bibliographical references (p. 359-381).

The aim is to analyze the legislation means of resolving insolvency, creating a comprehensive business bankruptcies of the insolvency proceedings in bankruptcy reorganization on the basis of a practical example, including subsequent evaluation of the advantages and the low number of permitted reorganisation, and designing themes, de lege ferenda, namely guidelines, which would be appropriate to change the legislation.