CAJ | 학술논문

目前，我国个人信用市场存在大量支付不能的债务无法通过现行法律妥善清理，导致个人信用风险难以得到有效控制和化解。本文从分析个人信用的法律保护入手，重点从内在逻辑联系以及个人破产制度的规则安排与个人信用的动态维护两方面，对个人信用和个人破产的法律关系进行了深入探讨，进而论证当前我国建立个人破产制度、推动个人信用风险管理的现实意义。
목전，아국개인신용시장존재대량지부불능적채무무법통과현행법률타선청리，도치개인신용풍험난이득도유효공제화화해。본문종분석개인신용적법률보호입수，중점종내재라집련계이급개인파산제도적규칙안배여개인신용적동태유호량방면，대개인신용화개인파산적법률관계진행료심입탐토，진이론증당전아국건립개인파산제도、추동개인신용풍험관리적현실의의。
Chinese law can not currently settle down the problem of the enormous existence of debts which can not be paid in the individual credit market Staging from the analysis of legislative protection of individual credit, this paper focuses on a thorough investigation of the rehtionships between individual credit and individual bankruptcy law system. And then the paper demonstrates the practical significanee of the establishment of individual bankruptcy law in China.