摘要
本文对2005年美国破产法改革进行研究发现,改革以前的个人破产法对债务人更有利,它为债务人提供了逃避债务的方便通道,鼓励了消费者借款消费,并允许债务人在具有偿债能力的情况下通过一定手段申请破产。改革以后的破产法对债权人更有利。美国个人破产法改革能引导广大消费者理性消费,对那些过度借贷消费的行为进行惩罚,同时能更好地保护债权人的权益,因此有利于控制消费信贷市场风险,促进消费信贷市场健康发展,对我国消费信贷市场发展有重要的启示作用。
This article, based on a study of reform of U.S. Bankruptcy Law in 2005, discovers that the U.S. personal bankruptcy law prior tothe reform is more favorable to the debtor. Old law provides consumers with an easy route from debt, encourages consumers to borrow and debtors to file for bankruptcy when not able to afford bills. New bankruptcy law is more favorable to the creditor because it guides consumers to consume rationally, punishes over- borrowing consumption and better protects the interest of creditors. Therefore, reform of U.S. personal bankruptcy law is conducive to risk control and healthy development of consumer credit market. It also sheds some light on the development of China＇s consumer credit market.
出处
《上海金融》
CSSCI
北大核心
2009年第1期69-72,共4页
Shanghai Finance
关键词
破产法
改革
消费信贷
Bankruptcy Law
Reform
Consumer Credit
