个人破产豁免财产范围构想

Conception of the Scope of Individual Bankruptcy Exempted Property

个人破产制度的核心在于体现“人的因素”,从保障破产人及其扶养人的生存发展权的角度出发,在破产人和债权人达成一致的前提下,确保破产人具有社会性重启的可能。豁免财产制度作为个人破产制度重要的组成部分,从破产程序伊始,为破产人及其扶养人在破产后的基本生存发展保留了必要费用。此项制度与债权人债权的全部实现及社会公共利益的矛盾集中体现于豁免财产的认定机制。通过设置符合国情的豁免财产认定规则,在债权人、债务人、法律运行社会评价等三个方面寻求最优解,以期实现法律的社会价值。

The core of individual bankruptcy system lies in reflecting the"human factor",from the perspective of protecting the right to survival and development of the bankrupt and its dependents,and ensuring that the bankrupt has the possibility of social restart under the premise that the bankrupt and the creditor reach an agreement.As an important component of the individual bankruptcy system,the exempted property system retains the necessary expenses for the basic survival and development of the bankrupt and its dependents after bankruptcy from the beginning of the bankruptcy proceedings.The contradiction between this system and the full realization of creditors'claims and the public interest is reflected in the identification mechanism of exempted property.By setting up rules for identification of exempted property in accordance with national conditions,we will seek optimal solutions in creditors,debtors,and social evaluation of legal operation,to realize the social value of law.