论我国个人破产制度的构建

On the Construction of China’s Personal Bankruptcy System

创建个人破产制度可以改变社会固有债务文化,树立破产免责理念,促进个人信用体系发展,建立信用标尺,保护债权人利益。同时明确'诚实'对债务人的价值指引,为诚实债务人提供低成本救济。随着经济社会发展,在企业破产制度、个人征信体系和执行制度发展等因素的推动下,创建条件逐渐走向成熟。构建个人破产制度是一项系统工程,需要研究个人破产制度的运行理论和规则。债务出清理论和信用公平理论分别在宏观和微观层面指导个人破产制度的运行,从法庭内和法庭外两个层面共同构成个人破产制度的运行规则。进而在个人破产制度运行机理的指导下构建我国个人破产制度,建立法庭外债务清理制度和法庭内债务清理制度。

The establishment of a personal bankruptcy system can change the inherent debt culture of society,set up the concept of bankruptcy exemption,promote the development of personal credit system,establish the credit scale,and protect the interests of creditors.At the same time,it can provide low-cost relief for honest debtors identifying honesty as the value guidance to the debtor.With the development of economy and society,the voice of society to build a personal bankruptcy system is getting higher and higher.Under the impetus of the enterprise bankruptcy system,personal credit information system and the development of enforcement system,the conditions for establishment are gradually from immature to mature.The construction of a personal bankruptcy system is a systematic project that requires studying the operational theories and rules of the personal bankruptcy system.The debt clearing theory and the credit fairness theory respectively guide the operation of the personal bankruptcy system at the macro and micro levels,and together form the operational rules of the personal bankruptcy system in and out of court.Additionally,China’s personal bankruptcy system is constructed under the guidance of the operating mechanism of personal bankruptcy system,establishing the debt liquidation system in and out of court.