{"id":5928,"date":"2021-09-07T08:01:13","date_gmt":"2021-09-07T06:01:13","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/w-jakich-sytuacjach-banki-utrudniaja-restrukturyzacje-przedsiebiorstw\/"},"modified":"2021-09-07T08:01:13","modified_gmt":"2021-09-07T06:01:13","slug":"in-what-situations-do-banks-hinder-the-restructuring-of-enterprises","status":"publish","type":"post","link":"https:\/\/pmr-restrukturyzacje.pl\/en\/in-what-situations-do-banks-hinder-the-restructuring-of-enterprises\/","title":{"rendered":"In what situations do banks make it difficult to restructure companies?"},"content":{"rendered":"

The simplified restructuring procedure during the pandemic played a very important role in the context of saving Polish companies from bankruptcy. In practice, however, not all of its elements work properly. In the opinion of PMR Restructuring, the problem concerns, among others, financial institutions (banks), which have far too little time to properly analyse the situation of the debtor. As a consequence, this often leads to a distorted decision to vote on the arrangement.<\/p>\n

The time allocated by the legislator for carrying out the simplified procedure restructuring of enterprises<\/a> is 4 months and cannot be extended regardless of the circumstances.<\/p>\n

As a result, banks receiving documentation to vote on the arrangement proposed by the entrepreneur often do not have time to properly and fairly analyse the situation of the company. Consequently, without comprehensive knowledge, they repeatedly vote against the arrangement, which triggers an avalanche of negative events. This worsens the situation not only of the indebted company, but also of the other creditors, including the banks themselves. It is then a vicious circle and a situation in which everyone is directly or indirectly affected. <\/i> - explains Ma\u0142gorzata Anisimowicz, President of the Management Board of PMR Restructuring<\/a> and qualified restructuring advisor.<\/b><\/p>\n

Practice shows that other contractors \u2013 such as public-law or commercial creditors \u2013 usually have no problem analysing the situation and making a rational decision regarding the information sent within the statutory deadline. arrangement proposals<\/a>. However, it is worth remembering that it is the votes of banks, which are often the main creditors, that decide the outcome of the vote. Therefore, it is absolutely crucial to develop such a practice that, within the statutory deadline, and with sufficient advance notice, banks receive the necessary information enabling them to make a rational decision.<\/p>\n

Fast communication with the bank at a premium<\/b><\/p>\n

The question then arises whether anything can be done about it. According to PMR experts Restructuring solutions<\/a> are available and fully feasible to implement.<\/p>\n

Our practice as a restructuring advisor indicates that after opening the restructuring proceedings, each of the creditors should be immediately informed of this fact, at the same time providing the contact details of the court supervisor, who is the person to contact at this time. contact<\/a> with creditors. Establishing a relationship with the bank is, however, a priority and in the case of simplified proceedings, this absolutely cannot be delayed <\/i> - says Malgorzata Anisimowicz.<\/b><\/p>\n

Already at this stage, the court supervisor provides the creditors with the information to be analysed before final proposals for an arrangement are drawn up. In the course of the proceedings, it is also advisable to develop a common document whereby the banks can obtain the individual necessary information from the supervisor\/debtor for further analysis. In other words, in such a situation, it is worthwhile to meet the tight timetable and create the most comfortable conditions for financial institutions to carry out a proper, reliable analysis that can make a real difference in the voting process.<\/p>\n

Fast, effective communication between banks and the court supervisor allows for full verification of the trader's situation by the major creditors. It also makes it possible to analyse whether a creditor will be satisfied to a greater extent under the simplified restructuring procedure than in the course of enforcement. underlines Malgorzata Anisimowicz<\/b> and adds that efficient communication between the supervisor and the bank is a chance to develop the necessary standards aimed at protecting the legitimate rights of creditors. - In practice, it is also a simple way to increase the effectiveness of restructuring and save many Polish businesses that are fighting to avoid bankruptcy<\/a><\/i> - he concludes.<\/b><\/p>\n

Ma\u0142gorzata Anisimowicz \u2013 qualified restructuring advisor and president of the management board PMR Restructuring<\/a> provided commentary on a publication for the outsourcingportal.pl website devoted to outsourcing.<\/p>\n

The article appeared on outsourcing portal,<\/b> 30 August 2021. We invite you to read the full version:\"In what situations do banks make it difficult to restructure companies?<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Uproszczone post\u0119powanie restrukturyzacyjne w czasie pandemii odegra\u0142o bardzo wa\u017cn\u0105 rol\u0119 w kontek\u015bcie ratowania polskich przedsi\u0119biorstw przed upad\u0142o\u015bci\u0105. W praktyce nie wszystkie jego elementy dzia\u0142aj\u0105 jednak w\u0142a\u015bciwie. W opinii firmy PMR Restrukturyzacje problem dotyczy m.in. instytucji finansowych (bank\u00f3w), kt\u00f3re maj\u0105 zdecydowanie zbyt ma\u0142o czasu na w\u0142a\u015bciwe przeanalizowanie sytuacji d\u0142u\u017cnika. W konsekwencji cz\u0119sto prowadzi to do wypaczenia decyzji w zakresie g\u0142osowania nad uk\u0142adem. Czas jaki ustawodawca przeznaczy\u0142 na przeprowadzenie uproszczonej restrukturyzacji przedsi\u0119biorstw wynosi 4 miesi\u0105ce i bez wzgl\u0119du na okoliczno\u015bci nie mo\u017ce by\u0107 on przed\u0142u\u017cony. Sprawia to, \u017ce banki otrzymuj\u0105c dokumentacje celem oddania g\u0142os\u00f3w w przedmiocie g\u0142osowania nad uk\u0142adem zaproponowanym przez przedsi\u0119biorc\u0119, cz\u0119sto nie maj\u0105 czasu na w\u0142a\u015bciwe i rzetelne przeanalizowanie sytuacji firmy. W konsekwencji, nie maj\u0105c kompleksowej wiedzy, wielokrotnie g\u0142osuj\u0105 przeciw uk\u0142adowi, co wywo\u0142uje lawin\u0119 negatywnych zdarze\u0144. Pogarsza si\u0119 bowiem nie tylko sytuacja zad\u0142u\u017conego przedsi\u0119biorstwa, ale r\u00f3wnie\u017c pozosta\u0142ych wierzycieli, w tym tak\u017ce samych bank\u00f3w. Mamy wi\u0119c do czynienia z b\u0142\u0119dnym ko\u0142em i sytuacj\u0105, w kt\u00f3rej wszyscy zostaj\u0105 po\u015brednio lub bezpo\u015brednio poszkodowani \u2013 t\u0142umaczy Ma\u0142gorzata Anisimowicz, prezes zarz\u0105du PMR Restrukturyzacje i kwalifikowany doradca restrukturyzacyjny. Praktyka pokazuje, \u017ce pozostali kontrahenci \u2013 chocia\u017cby wierzyciele publiczno-prawni czy handlowi \u2013 w ustawowym terminie nie maj\u0105 zwykle problemu z przeanalizowaniem sytuacji i podj\u0119ciem racjonalnej decyzji wzgl\u0119dem przes\u0142anych propozycji uk\u0142adowych. Warto jednak pami\u0119ta\u0107, \u017ce to w\u0142a\u015bnie g\u0142osy bank\u00f3w, b\u0119d\u0105cych cz\u0119sto g\u0142\u00f3wnymi wierzycielami, decyduj\u0105 o wyniku g\u0142osowania. Dlatego absolutnie kluczowe jest wypracowanie takiej praktyki, aby w ustawowym terminie, z odpowiednim wyprzedzeniem banki otrzyma\u0142y niezb\u0119dne informacje umo\u017cliwiaj\u0105ce podj\u0119cie racjonalnej decyzji. Szybka komunikacja z bankiem na wag\u0119 z\u0142ota Pojawia si\u0119 zatem pytanie czy mo\u017cna co\u015b z tym zrobi\u0107. W opinii ekspert\u00f3w PMR Restrukturyzacje rozwi\u0105zania s\u0105 dost\u0119pne i w pe\u0142ni realne do zaimplementowania. Nasza praktyka jako doradcy restrukturyzacyjnego wskazuje, i\u017c po otwarciu post\u0119powania restrukturyzacyjnego nale\u017cy niezw\u0142ocznie poinformowa\u0107 o przedmiotowym fakcie ka\u017cdego z wierzycieli, podaj\u0105c jednocze\u015bnie kontakt do nadzorcy s\u0105dowego, kt\u00f3ry w tym momencie jest osob\u0105 do kontaktu z wierzycielami. Nawi\u0105zanie relacji z bankiem jest jednak priorytetowe i w przypadku uproszczonego post\u0119powania absolutnie nie mo\u017cna z tym zwleka\u0107 \u2013 m\u00f3wi Ma\u0142gorzata Anisimowicz. Ju\u017c na tym etapie nadzorca s\u0105dowy, jeszcze przed wypracowaniem ostatecznych propozycji uk\u0142adowych, przekazuje wierzycielom informacje kt\u00f3re podlega\u0107 b\u0119d\u0105 analizie. W toku post\u0119powania wskazane jest r\u00f3wnie\u017c wypracowanie wsp\u00f3lnego dokumentu, w ramach kt\u00f3rego banki mog\u0105 pozyskiwa\u0107 poszczeg\u00f3lne, niezb\u0119dne informacje od nadzorcy\/d\u0142u\u017cnika celem dalszej analizy. Innymi s\u0142owy, w takiej sytuacji warto wyj\u015b\u0107 naprzeciw napi\u0119temu harmonogramowi i stworzy\u0107 instytucjom finansowym mo\u017cliwie komfortowe warunki do przeprowadzenia w\u0142a\u015bciwej, rzetelnej analizy, kt\u00f3ra mo\u017ce realnie odmieni\u0107 przebieg g\u0142osowania. Szybka, efektywna komunikacja bank\u00f3w z nadzorc\u0105 s\u0105dowym pozwala na pe\u0142n\u0105 weryfikacj\u0119 sytuacji przedsi\u0119biorcy przez najwi\u0119kszych wierzycieli. Umo\u017cliwia ona tak\u017ce przeanalizowanie czy wierzyciel w ramach uproszczonego post\u0119powania restrukturyzacyjnego zostanie zaspokojony w stopniu wy\u017cszym ani\u017celi w toku egzekucji \u2013 podkre\u015bla Ma\u0142gorzata Anisimowicz i dodaje, \u017ce sprawna komunikacja na linii nadzorca-bank to szansa na wypracowanie niezb\u0119dnych standard\u00f3w, maj\u0105cych na celu ochron\u0119 s\u0142usznych praw wierzycieli. \u2013 W praktyce to tak\u017ce prosta droga do zwi\u0119kszenia skuteczno\u015bci restrukturyzacji i uratowania wielu polskich biznes\u00f3w, kt\u00f3re walcz\u0105 o unikni\u0119cie upad\u0142o\u015bci \u2013 podsumowuje. Ma\u0142gorzata Anisimowicz – kwalifikowany doradca restrukturyzacyjny i prezes zarz\u0105du PMR Restrukturyzacje udzieli\u0142a komentarza do publikacji dla serwisu outsourcingportal.pl po\u015bwi\u0119conemu tematyce outsourcingu. Artyku\u0142 ukaza\u0142 si\u0119 w serwisie outsourcing portal, dnia 30 sierpnia 2021 r. Zapraszamy do zapoznania si\u0119 z jego pe\u0142n\u0105 wersj\u0105:\u00bbW jakich sytuacjach banki utrudniaj\u0105 restrukturyzacj\u0119 przedsi\u0119biorstw?<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[],"ppma_author":[30],"class_list":["post-5928","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmr-restrukturyzacje.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5928","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/comments?post=5928"}],"version-history":[{"count":0,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/posts\/5928\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/media?parent=5928"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/categories?post=5928"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/tags?post=5928"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmr-restrukturyzacje.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5928"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}