Supporting the Framework for Insolvency Practitioners

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Policy areas

Tags:
Harmonization of ProceduresInsolvency PractitionersLearning and Development

Organisation name Ministry of Energy, Commerce and Industry

Contact person: Celia Heraclidou

cheraclidou@mcit.gov.cy

In May 2015 the Cypriot government completeda major overhaul of the countryÕs corporate and personal insolvency lawframework and regulation of insolvency practitioners as part of a memorandum ofunderstanding entered into by Cyprus with the International Monetary Fund (theÒIMFÓ), the European Commission andthe European Central Bank. The IMF has contributed significantly to theinception of the new insolvency law framework, but has not been able to provideimplementation assistance.

The Ministry of Energy, Commerce and Industry(the ÒMinistryÓ) and the InsolvencyService (the ÒInsolvency ServiceÓ),consider that further strengthening of the regulatory framework for insolvencypractitioners was necessary in the areas of training, supervision anddiscipline to achieve a common standard of regulation and coordination betweenthe different licensing bodies i.e. the Insolvency Service, the Bar Associationand the Association of Chartered Accountants. As part of this exercise it will be possible to establish a frameworkfor cooperation on training of insolvency practitioners, which is needed toraise professional standards and improve the quality and efficiency ofinsolvency proceedings. Only initial training on the legal structure of the newinsolvency framework was conducted for insolvency practitioners in 2015 andsuch training was restricted to the insolvency practitioners licensed duringthe transitional period as it was defined by Ministerial decree according tothe Insolvency PractitionersÕ Law. Core training therefore needs to beconducted focusing on the financial, commercial and legal skills needed byinsolvency practitioners to manage insolvency cases effectively. 

Strengthening CyprusÕ regulatory frameworkfor insolvency practitioners in the areas of training, supervision anddiscipline, will help to achieve a common standard of regulation andcoordination between the three different licensing bodies.  It will in turn strengthen the insolvencypractitioner profession, which has an important role in the effectiveimplementation of the Insolvency Framework and it will boost the economy.Further training is also expected to raise standards within the profession andis linked to matters of supervision and discipline. It is noted that continuoustraining of insolvency practitioners is mandatory pursuant to the InsolvencyPractitionersÕ Law and that failure to meet the continuous training requirementis a grounds for disciplinary action by the regulator.

A well-established insolvency framework enables investors tobetter assess and manage transaction risk and is therefore of great importancefor all fully functioning market economies. This project is expected toincrease the efficiency of the current insolvency framework and indirectly helpwith the resolution of high non-performing loans in the banking sector. The principal objective is to improve bothadministration of the corporate and personal insolvency framework in Cyprus sothat it can better achieve its economic purposes, including respectively thefair and efficient reorganisation of businesses that are capable of rescue andeffective liquidation of businesses that are no longer viable and theassistance for over-indebted natural persons. This will help to improve theinvestment climate in the country and contribute to efforts to reduce the highlevel of non-performing loans and to facilitate economic activity.

The Ministry partneredwith the European Bank for Reconstruction and Development (the ÒEBRDÓ) for a programme to support thecapacity building for insolvency practitioners to ensure a high level ofprofessionalism and management of insolvency cases and legislative and otherproposals to improve the existing supervisory framework for insolvencypractitioners with a view to achieve proper coordination among the differentsupervisory authorities. 

The Programmeprovided under the support measures is being implemented for 18 months, and wasfinanced for Û180,000.  This amount allowedto the partners to proceed with (i) an analysis and assessment of the existingregulatory framework for insolvency practitioners in Cyprus; (ii) a draftproposal in respect of harmonisation and cooperation between the variouslicensing bodies of insolvency practitioners; (iii) a report and trainingmethodology for insolvency practitioners; and (iv) capacity-building and training of insolvency practitioners ininsolvency proceedings.  

 


In order to ensure sustainability the main stakeholderswere actively involved and their feedback wastaken into account while the deliverables were prepared. The harmonizationframework for licensing, supervision and training of the InsolvencyPractitioners as it is proposed, is openly discussed with the three RegulatoryProfessional Bodies (RPBs) and so far they act positively to the reforms. 


An Action Plan has been formed thatincorporates the actions that are needed to be taken for the implementation ofthe four parameters (Culture, Policy, Structures and Procedures) of theLearning and Development Framework that will ensure the Continuous ProfessionalDevelopment (CPD) of the Insolvency Practitioners.


Another parameter that is also taken into account is the financialsustainability of the Continuous Professional Development of the InsolvencyPractitioners, in terms of being affordable for the Insolvency Practitioners whowill take the trainings. 


The Deliveryof Learning Programs, are going to be funded by the subsidiary schemes of theHuman Resource Development Authority (HRDA), by the Insolvency Practitionersand/or by the employers of Insolvency Practitioners.


The HRDA is agovernmental authority and its mission is to createthe ideal conditions for planned and systematic training as well as thedevelopment of the human resources of Cyprus at all levels and in all areas tomeet the needs of the economy within the framework of the social and economicpolicies set by the Republic of Cyprus.


In order to fulfil the mission,exercise the responsibilities and carry its operations HRDA has established theHuman Resources Development Fund. Each employer is required to submit a fee tothe Fund, which does not exceed one percent of the payable earnings for everyof its employees. The fee rate is determined each year by the fund however, thefee never exceeds one percent of the payable earnings for every of itsemployees as aforementioned.



The Project it was a great opportunity to move fast and to react to the problem in a prompt and effective way, because:


á        As a member state, Cyprus had access to European funds that financed the Project on time and thus allow to the government to overcome delays caused by bureaucratic procedures


á        The Project was a cooperation of Private and Public Sector. This allowed us to meet the deadlines and to approach the deficiencies from a different perspective by thinking out of the box. 


The challenge we had to face was to regulate the profession of insolvency Practitioners by harmonizing the procedures of licensing, monitoring and training that are being implemented by three different entities and to introduce the mechanisms that will ensure the continuous professional development for the Insolvency Practitioners.


Even though best practices from other member states were reviewed, yet instead of adopting a ready-made model, the strategic approach was bespoke to the needs of the national business and economic environment, in which the Insolvency Practitioners need to perform.  Therefore, the key insolvency stakeholders were involved in the configuration of the outputs of the project mitigating in this way, any resistance to the proposed changes.


A bespoke strategy allows the implementation of radical changes, gradually and steadily and ensures sustainability. Furthermore, the cooperation of the public sector with the private sector, the EBRD and EY Cyprus, created synergies that facilitated the optimization of the outputs and provided the flexibility to adjust the implementation of the strategy according to the needs of the market.


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