FIN-98-054


The Comparative Efficiency of Small-Firm Bankruptcies: A Study of the US and Finnish Bankruptcy Codes

January 1998

S Abraham Ravid, S. Sundgren

ABSTRACT
We use a sample of small firms to compare efficiency aspects of the creditor oriented old (pre-1993) Finnish bankruptcy code and the debtor oriented US code. We find that although the same economic factors affect liquidations in both the US and Finland, under the Finnish code firms are somewhat more likely to be liquidated piecemeal. We also find that the costs of going concern sales and of liquidations under the Finnish code tend to go toward the higher end of the range found in US studies; and that payments to creditors in the US reorganizations are higher than the payoffs under the Finnish bankruptcy regime.
Ravid: (973) 353-5540

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