摘要
我国目前正在着手修改的《合伙企业法》,拟增加关于“有限合伙”的内容。在有限合伙相应的破产环节上各国一般均通过个人破产制度予以调整和化解。加之我国家庭整体负债率高,居民个人消费和社会的整体经济形式存在失衡,个人破产立法势在必行。目前我国消费信用体系正在建设之中且已初具规模,中国实施个人破产已初步具备条件。但是个人破产是一把双刃剑,应当设置较高的申请破产的门槛和合理的财产扣押范围,建立符合中国实际的债务清偿计划制度和破产免责制度,并实行人格破产和限制消费制度,同时应避免金融机构为获取贷款利润滥发信用卡,鼓动消费者过分超前消费。
The ＂Partnership Act＂ is now under amendment in China, to which it is said that ＂limited partnership＂ will be added. Individual bankruptcy is generally adopted by most of countries to adjust and solve contradictions arising out of in the process of the insolvency of a limited partnership. Since in China many families have incurred a debt and individual consumption and social economy have lost balance, it is imperative to enact a law concerning individual bankruptcy. Nowadays, an embryonic form of a consumer credit system has loomed up and China has laid a basic foundation to implement individual bankruptcy laws. However, individual bankruptcy is ＂one sword with two blades. ＂ Thus, we should set up a rather high standard for a bankruptcy petition and reasonably limit the property that may be seized. A repayment plan and discharge system that accords with China＇s practical situations should be established and a personal bankruptcy and time-supervising system should also be set forth. Furthermore, financial agencies shall be banned from abusing credit cards to gain credit interest. Excessive consumption is also not encouraged
出处
《现代法学》
CSSCI
北大核心
2006年第3期91-97,共7页
Modern Law Science
关键词
个人破产
债务清偿计划
破产免责制度
人格破产
限制消费
individual bankruptcy
repayment plan
debt discharge regime
personal bankruptcy
restricted consumption
