论我国个人破产制度的构建研究
Research on the Construction of Personal Bankruptcy System

法治是最好的营商环境。个人债务问题早已由个人问题转化为影响社会秩序和经济稳定的隐患。时代大背景下，个人破产制度必将落地，对其研究具有必要性。在程序设计上，清算、重整、和解等的成本、第三方机构的组建、人员选任等问题亟需解决。在实体制度上，自由财产制度中自由财产范围需加以厘清，失权复权制度可从强调对债务人的多层面限制入手，欺诈债权人制度应做好与现有程序衔接。结合上述措施，个人破产制度方可更好地兼顾效率与公平，在平衡债权人与债务人的利益的基础上，实现社会效益和法治治理成效的最大化。
The rule of law is the best business environment; personal debt problem has already changed from personal problems to hidden troubles affecting social order and economic stability, which is not conducive to the realization of common prosperity. Under the background of the times, the personal bankruptcy system will fall to the ground, and its system construction is necessary. In the process design, the cost of liquidation, reorganization, reconciliation, the formation of third-party institutions, personnel selection and other issues need to be paid attention. In the substantive system, the scope of free property in the free property system needs to be clarified. The system of losing rights and recovering rights can start with emphasizing the multi-level restrictions on the debtor, and the system of cheating creditors should be well connected with the existing procedures. Combined with the above measures, personal bankruptcy system can better balance efficiency and fairness, on the basis of balancing the interests of creditors and debtors, to achieve the maximum social benefits and the effectiveness of governance by law.