我国个人破产制度的构建研究

发布时间：2018-03-31 14:36

本文选题：破产制度　切入点：个人破产　出处：《广东财经大学》2016年硕士论文

【摘要】：个人破产制度作为破产制度的发端,至今经历了数个世纪的发展变化,不但没有被时代所淘汰,反而得到越来越多的国家认可。但是,我国现行的破产法律制度,将个人排除在破产适用范围之外,采取了颇具中国特色的“企业法人破产主义”。然而,随着我国社会主义市场经济的快速发展,个人破产现象层出不穷,现行破产法显然无法满足经济的发展需要,也与通行的国际惯例不符。个人破产制度,既能够弥补民事诉讼偿债制度的不足,平衡债权人和债务人双方的利益,体现破产法公平原则;同时,也能够促进我国宏观经济的发展,并减少债务纠纷对社会带来的不和谐因素。个人破产制度内在的理论合理性、优越性是毋庸置疑的。我国迟迟未能建立个人破产制度,究其原因,立法机关和研究学者解释为当时的社会、经济、文化等宏观环境以及相关配套设施,在短期内均不能满足个人破产制度的基础运行条件。然而,时至今日,随着信贷经济的繁荣发展和金融业务不断创新,加上个人征信系统及社会保障体系的完善等各方面有利因素,各种有碍于个人破产制度建立的因素业已消失殆尽,有必要尽快进行制度设计。本文共分为四章,将从不同视角充分论述了个人破产制度是什么、为何需要在我国构建、以及是否能够在我国运行和应当如何运行的问题。
[Abstract]:As the beginning of the bankruptcy system, the individual bankruptcy system has undergone several centuries of development and change, not only has not been eliminated by the times, but has been recognized by more and more countries.However, the current bankruptcy legal system of our country excludes the individual from the applicable scope of bankruptcy, and adopts the "enterprise legal person bankruptcy doctrine" with Chinese characteristics.However, with the rapid development of the socialist market economy in our country, the phenomenon of individual bankruptcy appears endlessly. The current bankruptcy law obviously can not meet the needs of economic development and is not in accordance with the common international practice.The individual bankruptcy system can not only make up for the deficiency of civil litigation system, balance the interests of both creditors and debtors, but also promote the development of China's macro economy.And reduce the debt disputes on the social disharmony factors.There is no doubt about the superiority of personal bankruptcy system because of its inherent theoretical rationality.The reason why our country has been unable to establish a personal bankruptcy system has been explained by the legislature and researchers as the social, economic, cultural and other macro environment of the time, as well as related supporting facilities.Today, however, with the prosperity of the credit economy and the continuous innovation of the financial business, as well as the perfection of the personal credit system and the social security system, and other favorable factors,The factors that hinder the establishment of individual bankruptcy system have disappeared, so it is necessary to design the system as soon as possible.This paper is divided into four chapters, which will fully discuss what the personal bankruptcy system is from different angles, why it needs to be constructed in our country, and whether it can run in China and how it should run.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.291.92

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