摘要
目前,学界对于我国出台个人破产制度的条件是否成熟仍有争议,认为我国出台个人破产制度的条件尚不成熟的理由主要包括社会信用体系不成熟、个人财产登记制度不完善、容易诱发大规模逃债现象等。但社会信用体系、个人财产登记制度是否完善并非是出台个人破产制度的必要条件,发达国家的经验表明个人破产并不会导致大规模逃债行为。目前,民事司法程序中的最低生活保障执行、限制高消费、参与分配等制度已经具备了个人破产的雏形,也为我国个人破产法的出台积累了宝贵的实践经验。我国出台个人破产法应采用一般破产主义和有限豁免原则,辅之以配套的破产法院改革和银行破产规则,以满足法治市场中负产者个人破产制度的需求。
Whether the conditions to establish personal bankruptcy are mature or not is controversial at present, some scholars believe that the conditions are immature because social credit system is immature, registration system to personal property is not perfect, and personal bankruptcy can lead to large-scale default, and so on. In fact social credit system and registration system to personal property axe not necessary premise to personal bankruptcy, and experience in the de- veloped countries tells us personal bankruptcy will not lead to large-scale default. Enforcement to ensure basic life, limit- ing consumption and participate in the distribution in civil enforcement have already had the prototype of the personal bankruptcy and accumulated valuable experience in our country. China should legislate the personal bankruptcy law, a- dopt the doctrine of general bankruptcy and limited debt relief, establish bankruptcy courts and make the rule to bank bankruptcy in order to satisfy the need of personal bankruptcy system of debtor to bankruptcy.
出处
《商业研究》
CSSCI
北大核心
2016年第3期186-192,共7页
Commercial Research
基金
中国人民大学2015年度拔尖创新人才培育资助计划项目
关键词
负产者
个人破产
失权制度
债务免除
破产法院
debtor to bankruptcy
personal bankruptcy
system to lose fights
debt relief
bankruptcy court.
