一、个人破产制度的概念与特征当个人资产远小于个人负债并且无力偿还的情况下,个人可以申请破产。与法人破产相比较,个人破产的法律特征主要表现在以下几个方面:1.破产主体的特殊性。与法人这一社会组织体不同,个人破产的主体是以个体存在的自然人。在法人破产时,破产财产是破 First, the concept and characteristics of personal bankruptcy system When personal assets are far less than personal indebtedness and insolvency, individuals can apply for bankruptcy. Compared with the bankruptcy of legal persons, the legal features of personal bankruptcy are mainly manifested in the following aspects: 1. The particularity of the subject of bankruptcy. Unlike corporate social organization, the subject of personal bankruptcy is a natural person with individual existence. When the legal person goes bankrupt, the bankruptcy property is broken