论自然人破产制度

Natural Person Bankruptcy System

新破产法将其适用范围限定为企业法人,自然人被排除在破产主体之外。立法机关及其支持者的理由是我国实行个人破产的时机并不成熟。这其中一个关键因素是我国没有完整成熟的个人信用制度,另外一个因素是过分担忧自然人破产欺诈。对此,文章从分析我国市场经济的现实情况入手,探讨自然人破产制度建立的利弊,论证自然人破产的必要性和现实性,进而对建立自然人破产制度提出几点建议。

The application of new bankruptcy law is restricted to enterprise legal persons, not natural persons. The reason of the legislature and the supporters is that it is not proper to carry out personal bankruptcy system in our country at present. One of the key factors is that there is no complete personal credit system, and another factor lies in the over concerns about the fraudulence of natural persons bankruptcy, upon which the paper analyzes the present situation of Chinese market economy, explores the advantages and disadvantages on establishing natural person bankruptcy system, discusses the necessity and actuality of natural person bankruptcy and proposes several suggestions on the establishment of natural person bankruptcy system.