新《破产法》的制度创新解读及其对商业银行债权的影响

新《破产法》是我国经济体制改革进程中的一部标志性法律，它的出台表明我国的市场经济发展到了一个新阶段。它为债务人、债权人、投资者、职工等主体提供了维护自己权益的法律依据；对商业银行而言，它在维护银行债权的同时也对银行债权带来了一些不利影响。因此，有必要对新《破产法》引进的新制度进行解读，并深入分析这些制度对银行债权的影响，以防范银行贷款风险。

On the New Enterprise Bankruptcy Law System Innovation and Its Impact on Commercial Bank Claims

The new enterprise bankruptcy law is a legal landmark in the process of the reform of the economic structure. It shows that the introduction of the market economy in China has entered a new stage. It provided legal basis of the main safeguard of their own rights and interests for debtors, creditors, investors and workers. For the commercial banks, the law will bring some negative impact on the bank claims while in the maintenance. The article on the new bankruptcy law gives a brief sorting on introducing new systems. And it gives deep analysis of these systems on the impact of bank claims to prevent risk of commercial bank loans.