我国个人破产免责的立法模式及制度构建
The Legislative Model and System Construction of Personal Bankruptcy Exemption in China

随着国家社会经济的发展，债务人与债权人法律关系不平衡现象愈加明显。个人破产制度就是为了解决“执行难”问题而诞生，其中的核心问题便是个人破产免责制度。债务宽恕理念与社会效益理论为我国个人破产免责制度提供了良好的理论依据，因此我国个人破产免责制度的立法应当采取许可免责的立法模式。在具体制度构建中应当对准予免责的债务范围作出详细规定。
With the development of the country’s social economy, the phenomenon of imbalanced legal relationships between debtors and creditors has become increasingly apparent. The personal bankruptcy system was born to solve the problem of difficult execution, and the core issue is the personal bankruptcy exemption system. The concept of debt forgiveness and the theory of social benefits provide a good theoretical basis for China’s personal bankruptcy exemption system. Therefore, the legislation of China’s personal bankruptcy exemption system should adopt a licensing exemption legislative model. In the construction of specific systems, detailed provisions should be made for the scope of debt that is allowed to be exempted.