保证金融稳定运行应当制定“个人破产法”的探讨——我国负翁现象与金融危机分析

Discussion on the Constitution of "Personal Bankruptcy Law"to Guarantee the Finance Stability——Analysis on the Phenomenon of Debtor and Financial Crisis of Our Country

市场经济以供求关系的价值规律为杠杆。发展市场经济必须开拓市场,实施消费贷款是扩大市场的重要措施之一。它也会给金融业和贷款人(负翁)带来风险,贷款消费必须有一个限度,否则会冲击金融业的稳定。我国应当选择适当时机制定“个人破产法”限制过度超前贷款消费,以保证金融市场稳定运行。

The market economy makes the law of value for the relation of supply and demand as the lever. Developing market economy needs to exploit the market and one of the important ways of exploiting the market is to implement consumption loan. This will bring risk for the finance industry and accommadator. There should be a limit for consuming by loan, otherwise it will impact the finance stability. It is necessary for our country to constitute ＂personal bankruptcy law＂ so as to restrict the extra - consumption by loan and ensure the stability of financial market.