Research On The Construction Of Interest-balanced Personal Bankruptcy Reorganization System

With the development of socialist market economy,the country’s strong support for public entrepreneurship and support for emerging industries such as e-commerce industry,more and more individual economic subjects join the economic market,such as partnerships,sole proprietorship enterprises,individual industrial and commercial households,etc.The participation of these individual economic subjects has brought new vitality to the development of the market economy,and also brought new impetus for the improvement of people’s quality of life.However,these individual economic entities are very weak in the huge economic market,and a little wave can hit them hard in the face of the volatile economic market.Especially since 2020,the global new crown outbreak,the economic market is greatly affected,many individual economic subject to withstand long-term losses,make ends meet pressure,insolvent,bankruptcy,personal with huge debt pressure,but because of the legal lack of individual economic subject effective exit the market specification,many individual economic subject in debt,and not external relief,at this point,is in urgent need of a reasonable and effective market exit mechanism to save the bankruptcy individual,corresponding discussion here.The article first introduces the background of the article and the existing research situation in this system field at home and abroad.Analyzing the social problems caused by the personal debt crisis under the current social environment,such as tiring litigation,consuming judicial resources,destroying the harmony between the parties,and affecting the healthy operation of the economy and society.In order to solve these problems,it is proposed to build a balanced personal bankruptcy reorganization system.The analysis of the existing research results shows that these social problems have attracted the attention and discussion of the legislative and judicial circles.And the research methods of this thesis are expounded.Secondly,the impact of this social problem is analyzed,and the necessity and feasibility of constructing this system are also discussed.The analysis and study of the existing three modes of personal bankruptcy reorganization system shows the importance of the balance of interests,especially in the judicial environment that pays attention to the balance of interests in China,the construction of personal bankruptcy reorganization system needs to fit the cultural background of China’s legal construction.At the same time,it thinks about the core measures of constructing the personal bankruptcy reorganization system of balanced interests,analyzes the existing personal bankruptcy reorganization procedures at home and abroad,compares comprehensively,and strives to build a personal bankruptcy reorganization system that fits the actual conditions of China.Finally,after comprehensively comparing the individual bankruptcy reorganization system of various countries and analyzing and discussing our country’s existing national conditions and legal value orientation,personal suggestions are put forward for building a benefit balanced personal bankruptcy reorganization system.Mainly,for how to improve the repayment rate to ensure the interests of the creditor and not to the debtor It can give the debtor a chance to recover from the dead,so as to maintain the harmonious and healthy development of the economy and society,and have in-depth discussions.