摘要
个人破产法的引入对促进我国民营企业发展而言极具现实意义,其中尤其彰显为限制民营企业家商事失败风险、提升创新创业收益等方面的价值。与此同时,个人破产法下的集体清偿程序,也能够对民营企业家人身财产安全起到妥善保护的作用。然而,在当前民营企业融资难、融资贵的现实背景下,我国尤其不可忽视过分宽松的个人破产立法给民营企业信贷获得所可能造成的壁垒效应。结合域外制度演进历史以及当下制度实践的具体情况,从'严'开始引入个人破产立法具有现实必要性。未来立法应当重点从债务免除考验期、财产豁免范围以及配套惩戒措施等方面着手,从'严'开始、以渐进方式引入个人破产制度,并视社会经济发展需要作出灵活调适。
The introduction of individual bankruptcy law is of great practical significance for promoting the development of private enterprises in China,especially for manifesting the value of limiting risk of commercial failure for private entrepreneurs and raising benefits in innovation and entrepreneurship.Meanwhile,the collective settlement procedure under the individual bankruptcy law can also protect personal property of private entrepreneurs.However,at present,under the background of difficult and expensive corporate finance,China should not ignore the barrier effect that a loose individual bankruptcy legislation may bring for the private enterprises to obtain credits.Concerning about the evolution history of foreign system and specific situation of current system practice,it is necessary to introduce individual bankruptcy law strictly.The legislation in the future should put the focus on some aspects like probationary period of debt relief,scope of property exemption and disciplinary measures.Starting with'strictness',the individual bankruptcy system should be introduced gradually and do the adjustments flexibly to meet the needs of social and economic development.
作者
蔡嘉炜
CAI Jiawei(Law School of Tsinghua University)
出处
《中国政法大学学报》
CSSCI
2019年第4期137-154,208-209,共19页
Journal Of CUPL
