个人债务清理多元视角下的法庭外清理程序  

The Extra-court Settlement Procedure From the Perspective of Personal Debt Settlement

作　　者：李震东 LI Zhendong(Law School,Guandong University of Finance and Economics,Guangzhou Guangdong 510320,Chhininaa)

机构地区：[1]广东财经大学法学院,广东广州510320

出　　处：《法学论坛》2023年第6期96-108,共13页Legal Forum

摘　　要：为建立多元化个人债务清理机制,设置个人破产程序启动之前的法庭外个人债务清理程序,已经成为世界各国个人债务清理制度的发展趋势。域外国家和地区的相关经验反映了基于法庭外个人债务清理较之于法庭内清理的不同功能和优势,以具有公信力的咨询管理机构负责法庭外个人债务清理程序具有现实的适应性。而该程序强制性前置相较于个人债务人自由选择的优势,体现了强制性前置模式的合理性。针对深圳经济特区试点个人破产程序所体现的申请多、受理少等诸多现实困境,探讨设立我国的个人债务清理法庭外程序对清理个人债务问题具有积极意义。In order to establish diversified personal debt settlement mechanism,setting up the personal debt settlement procedure outside the court before the personal bankruptcy process has become the development trend of the personal debt settlement system in the world.The relevant experience of countries and regions outside the court reflects the different functions and advantages of personal debt settlement outside the court compared with that inside the court,so it is practical and adaptable to have a credible advisory management body in charge of the process of personal debt settlement outside the court.Compared with the individual debtor's free choice,the compulsory pre-payment of the procedure shows the rationality of the compulsory pre-payment mode.In view of the practical difficulties of the pilot personal bankruptcy procedure in Shenzhen Special Economic Zone,such as more ap-plications and less acceptance,it is of positive significance to explore the establishment of a personal debt liquidation procedure outside the court in China.

关 键 词：个人债务 多元清理 个人破产 法庭外程序 咨询管理 

分 类 号：D913.3[政治法律—民商法学]