构建个人破产制度的若干思考——以深圳探索经验为视角  

Reflection on Building a Personal Bankruptcy System: From the p erspective of Shenzhen's exploration experience

作　　者：曹启选 Cao Qixuan

机构地区：[1]深圳市中级人民法院深圳破产法庭

出　　处：《中国应用法学》2024年第1期98-108,共11页China Journal of Applied Jurisprudence

摘　　要：建立个人破产制度,是完善企业破产制度、公平保护各类市场主体的现实需要,是优化营商环境的有力措施。从实施运行来看,个人破产制度应明确破产重整、和解、清算等不同程序的准入规则,引导债务人选择合理的个人破产程序。在配套机制方面,应建立个人破产申请前辅导、个人破产信息依法登记与公开、金融机构小额债权代位行使、个人破产庭外和解等制度,同时明确政府承担个人破产事务管理、个人破产事务咨询与援助服务、个人破产风险监测等职责,确保个人破产制度行稳致远。Establishing a personal bankruptcy system is a practical need to improve the corporate bankruptcy system,fairly protecting various market entities,and is a powerful measure to optimize the business environment.From the perspective of implementation and operation,the personal bankruptcy system should clarify the admission rules for different procedures such as bankruptcy reorganization,settlement,and liquidation,and guiding debtors to choose a reasonable personal bankruptcy procedure.In terms of supporting mechanisms,it is necessary to establish systems such as pre-bankruptcy counseling for individuals,legal registration and disclosure of personal bankruptcy information,subrogation of small claims by financial institutions,and out of court settlement for personal bankruptcy.At the same time,the government should undertake the responsibilities of personal bankruptcy management,consultation and assistance ser vices for personal bankruptcy affairs,personal bankruptcy risk monitoring to ensure a good operation of the personal bankruptcy system.

关 键 词：个人破产 小微企业保护 申请前辅导 破产信息公开 破产事务管理 

分 类 号：D922.291.92[政治法律—经济法学] D927[政治法律—法学]