商品经济活动不可避免地产生了债权债务的问题。许多企业或个人既是债权人,又是债务人,如果大家都能正确处理债权债务,就可以促进商品经济正常发展。然而,现实中存在一些不良现象,如拖欠别人货款,不按期还款,有的甚至赖帐不还,致使社会出现你欠我、我欠他、他欠你的多角债务锁链,影响着企业的发展。债务人长期拖欠或赖着不还债权人的资产,直接地侵犯了债权人的债权,在这种情况下,债权人就不能较好地利用自己的资产来发展生产,以致造成严重的经济损失。为了保护债权人的利益,我国颁布了《经济合同法》、《民法通则》等民事、经济法律法规,以经济手段、行政手段或民事诉讼手段来保护债权。 The economic activities of commodities have inevitably brought about the issue of credits and debts. Many enterprises or individuals are both creditors and debtors. If we can handle the claims and debts properly, we can promote the normal development of the commodity economy. However, in reality, there are some unpleasant phenomena, such as default on other people's money, repayments on an irregular basis, and some even repay them, causing the society to appear that you owe me, I owe him, he owes you a multi-angle debt chain, affecting the business development of. In the event that the debtor defaults long or does not repay the debtor's assets, it directly infringes on the debts of the creditors. Under such circumstances, the creditors can not make good use of their assets to develop their production, resulting in serious economic losses. In order to protect the interests of creditors, China promulgated the civil and economic laws and regulations such as Economic Contract Law and General Principles of Civil Law to protect creditor's rights by means of economic means, administrative means or civil litigation.