在企业法人之外,自然人的债务清理已经成为世界各国普遍面临的重要法律问题。德国消费者债务清理制度立法目标明确,制度架构清晰,修法紧跟实践需要,不失为大陆法系自然人破产制度的法制范本。本文通过介绍德国消费者债务清理制度的沿革、特征及最新发展,以期为我国的制度构建提供参考。 In addition to corporate juridical persons, the debts of natural persons have become an important legal issue that all countries in the world generally face. German consumer debt clean-up system has a clear legislative goal, a clear institutional framework, and a close follow-up of practice in law practice. It is still the legal model for the bankruptcy of natural persons in the civil law system. This article introduces the history, characteristics and latest development of the German consumer debt clearing system in order to provide a reference for the institutional construction in China.