个人破产案件试点中的现实问题与完善——以深圳市为例
Practical Problems and Improvement in the Pilot of Personal Bankruptcy Cases—Taking Shenzhen City as an Example

个人破产制度不仅为处于财务困境的创业者和经营者提供了化解债务危机的途径，而且促进了市场主体的诚信经营，保障了市场的良性有序竞争。此外，个人破产制度的完善，对于依法妥善解决个人及企业债务问题、公平保护各类市场主体权益，以及完善社会信用体系建设等方面，均具有不可忽视的作用。鉴于上述需求，加快推动个人破产制度的立法进程显得尤为迫切。通过立法明确个人破产的条件、程序和后果，可以为债务人提供明确的法律预期，同时为债权人提供更为有效的法律保障。这不仅有助于提高社会整体的信用水平，而且对于维护市场经济秩序、促进经济健康发展具有深远的影响。
Nowadays, the personal bankruptcy system not only provides a way to solve the debt crisis for the entrepreneurs and operators in financial difficulties, but also promotes the honest management of the market subjects and guarantees the benign and orderly competition in the market. In addition, the improvement of the personal bankruptcy system has a non-negligible role in properly solving the debt problems of individuals and enterprises according to law, fairly protecting the rights and interests of various market entities, and improving the construction of the social credit system. In view of the above needs, it is particularly urgent to accelerate the legislative process of personal bankruptcy system. By clarifying the conditions, procedures and consequences of personal bankruptcy through legislation, debtors can be provided with clear legal expectations, and creditors can be provided with more effective legal protection. This not only helps to improve the overall credit level of the society, but also has a far-reaching impact on maintaining the order of the market economy and promoting the healthy development of the economy.