破产制度源于个人破产,通过本文的讨论笔者认为在现在的中国建立个人破产制度是必要的,同时就相关的问题发表一些看法。在个人破产适用的主体方面应为商自然人。而在免责制度设计方面应采用许可免责制度。新通过的破产法没有将个人破产制度列入其视野中,立法机关给出的理由虽然有一定的说服力,但是对于个人破产制度的需求应该会使我们克服目前的一些不利因素,建立个人破产制度是完善破产法制的必须一步。 The system of bankruptcy stems from personal bankruptcy. Through the discussion of this article, I think it is necessary to establish a personal bankruptcy system in China at the same time, and at the same time make some comments on relevant issues. In the application of personal insolvency should be a natural person. In the design of the exemption system should be used to allow the exemption system. The newly adopted insolvency law did not include a personal bankruptcy system in its field of vision. Although the reasons given by the legislature are somewhat persuasive, the need for an individual bankruptcy system should allow us to overcome some of the current negative factors and establish a personal bankruptcy The system is a necessary step to improve the legal system of bankruptcy.