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| 美国破产法2005年修正案之评介——以消费者破产为视角 | |
| 引用本文： | 殷慧芬. 美国破产法2005年修正案之评介——以消费者破产为视角[J]. 安徽大学学报(哲学社会科学版), 2007, 31(1): 72-76. DOI: 10.3969/j.issn.1001-5019.2007.01.015 |
| 作者姓名： | 殷慧芬 |
| 作者单位： | 上海交通大学,法学院,上海,200030 |
| 基金项目： | 上海高校选拔培养优秀青年教师科研专项基金资助项目 |
| 摘 要： | 美国《2005年破产滥用预防及消费者保护法案》在一定程度上实现了近10年来美国银行等金融机构对破产法进行改革的愿望.针对日益严重的消费者滥用破产现象,2005年修正案提出了"收入测试"标准以限定消费者对破产清算程序的随意适用,自动冻结、自由财产和破产免责等制度也都本着强化债权人利益保护的理念作了相应的修订.新破产法最大限度地转变了对债务人的立场,强化了量化抑制破产滥用行为的功能,并建立了对美国经济的双向作用机制. |
| 关 键 词： | 美国破产法 2005年修正案 消费者破产 收入测试 |
| 文章编号： | 1000-5019（2007）01-0072-05 |
| 修稿时间： | 2006-08-28 |
A Review of the American Bankruptcy Act of 2005 |
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| YIN Hui-fen. A Review of the American Bankruptcy Act of 2005[J]. Journal of Anhui University(Philosophy & Social Sciences), 2007, 31(1): 72-76. DOI: 10.3969/j.issn.1001-5019.2007.01.015 | |
| Authors: | YIN Hui-fen |
| Affiliation: | School of Law, Shanghai Jiaotong University, Shanghai 200030 |
| Abstract: | The American Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 is the most significant revision made by the Congress in the past 30 years,and to some extent has realized the reform hope of American financial institutions such as banks in the past 10 years.Aimed at preventing bankruptcy abuse,the 2005 Bankruptcy Act puts up with a"means test" as the eligibility requirement for bankruptcy applicants to file in Chapter 7.The revisions to automatic stay,exempt property and bankruptcy discharge also provide more protection for creditors' benefits.The 2005 Bankruptcy Act changes its attitude toward debtors to the full extent,enforces its function of quantificationally restraining bankruptcy abuse,and establishes a two-way function mechanism for American economy. |
| Keywords: | American bankruptcy law 2005 Bankruptcy Act consumer bankruptcy means test |
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