个人破产法律制度在许多国家和地区已经相当成熟,并在经济活动中发挥着重要的作用,但在我国的立法中一直处于空白状态。随着社会经济发展、人们消费形态的变化,建立此制度在我国具有现实的必要性。我国构建个人破产制度时,其立法模式应当采用一般破产主义,并且设置自由财产制度、破产许可免责制度、简易破产程序等来保障其顺利施行。 The legal system of personal bankruptcy has become quite mature in many countries and regions and plays an important role in economic activities. However, it has been in a blank state in our country's legislation. With the social and economic development, people's consumption patterns change, the establishment of this system in our country has the realistic necessity. When building a personal bankruptcy system in our country, its legislative model should adopt the general bankruptcy doctrine and set up a system of free property, a system of exemption from bankruptcy permit, and a simple bankruptcy procedure to ensure its smooth implementation.