个人破产制度：对市场经济退出机制的探索

个人破产制度作为债务了结的市场化机制，具有限制投资风险、激发创新创业等方面的价值。借鉴域外经验，个人破产制度至今在美国、英国等发达国家成熟运行，在我国建立个人破产制度已经成为社会共识。近年来，我国在个人破产制度推进上做了很多探索性尝试，但不可否认个人破产制度的有效实施与传统文化背景、社会信用体系、财产登记制度和破产欺诈惩戒制度密不可分，这也启迪我国在个人破产制度的推进上应当注重软环境建设，循序渐进地建立个人破产制度及其配套体系。

Construction of Personal Bankruptcy System: Exploration of the Exit Mechanism of Market Economy

As a market exit mechanism of debt settlement, personal bankruptcy system has the value of limiting investment risk and stimulating innovation and entrepreneurship. Reviewing the experience of foreign countries, the personal bankruptcy system has been mature in the United States, Britain and other developed countries, and the establishment of personal bankruptcy system in China to improve the standard allocation of market economy has formed a social consensus.In recent years, China has made a lot of exploratory attempts in the promotion of personal bankruptcy. However, it is undeniable that the effective implementation of the personal bankruptcy system is closely related to the cultural background, credit system, property registration system and legal mechanism, which also enlightens us that we should pay attention to the construction of soft environment in the promotion of the personal bankruptcy system, and gradually establish a personal bankruptcy system and its supporting systems.