试论个人信用破产制度

On the Bankruptcy System of Individual Credit

从人之天性层面与现实生活层面都要求我国必须建立个人信用破产制度。个人信用破产制度是一种通过剥夺或限制信用主体某些资格与保护相对人基于信用信息选择交易策略的权利来保障债务人的债权处于安全状态与能够实现的制度。构建个人信用破产制度应从建立个人信用分类记分年度10分制、年审制度、复权制度和个人信用账户制度入手。

from the perspective of human nature and real life,China must establish a personal credit bankruptcy system.Personal credit bankruptcy system is a kind of system that guarantees the creditor's rights in a safe state and can be realized by depriving or restricting some qualifications of the credit subject and protecting the right of the counterpart to choose trading strategies based on credit information.The building of individual credit bankruptcy system should start with the establishment of individual credit classification score system,annual review system,compound right system and individual credit account system.