自然人破产制度的建立

从法政策角度考量,自然人破产制度可以使债权人获得公平受偿,使债务人获得重生,这是自然人破产制度确立的最重要原因;而信贷消费的迅速发展,是我国确立自然人破产制度的社会基础。我国面临的城乡二元结构、信用体系的不健全只是建立自然人破产时必须予以考虑的法技术问题。在建立自然人破产制度时必须正视城乡二元结构、信用体制缺失等问题,并逐步建立自然人财产申报登记制度,完善信用制度。

Insolvency of Natural Person Establishment

From the perspective of law policy,insolvency law of natural person can make the creditors＇fair payment and the debtors＇reborn,which is the most important reason to build up natural person insolvency law,and the fast development of consumer credit is its social foundation.Urban-rural dual structure and unsound credit system are the considerations of law technique in natural person insolvency law establishment.When draft the insolvency law of natural person,we should consider the urban-rural dual structure and unsound credit system,establish the reporting and registration system of natural person property,and perfect the credit system.