摘要

国家市场经济越趋发达，成分越趋复杂。在我国经济大发展的时代下，公民对于破产制度的理解和认识却往往没能跟上经济增长的速度，在个人破产制度方面我国的立法仍然是一片空白，在面对个人破产情况时往往没有合理的法律依据来解决纠纷，个人破产制度的建立对于我国经济发展仍然是一项值得研究的课题。并且当代国际上的一些国家早已有相应的制度和立法上的经验，在我国经济日益国际化的今天，借鉴和吸收外国个人破产制度的经验也是十分重要和有意义的。本文将介绍国际上对个人破产制度的构建和立法经验，并且对我国现有状况进行分析，说明我国建立个人破产制度的存在的问题以及提出一些建议。

目    录

一、个人破产制度综述···················································5

二、国际上已经建立的个人破产制度及经验借鉴介绍·························5

（一）美国破产制度介绍及借鉴···········································6

（二）德国破产制度介绍及借鉴···········································6

（三）英国破产制度介绍及借鉴···········································7

（四）俄罗斯破产制度介绍及借鉴·········································7

三、我国个人破产制度发展现状及迟迟无法建立的原因·······················8

（一）金融体系较为落后，个人信用系统尚不完善···························8

（二）社保系统较为缺乏，司法系统无法及时适应···························9

（三）国民破产意识不足，社会环境未能跟随潮流···························9

四、个人破产制度如何在中国进行建设的一些建议···························9

（一）吸收外国法律制度建设经验，完善国家金融信用体系建设···············9

（二）加强对破产债务人的社会保障，完善有关司法制度·····················9

（三）增强个人破产制度社会教育力度，营造个人破产制度的社会氛围·········10

参考文献·······························································10

致谢词·································································12