#长文创作激励计划#
The word bankruptcy is often used in conjunction with a business or a bank. However, it is rare to hear of personal bankruptcy in China, and in fact, there is no such thing as personal bankruptcy in the mainland. Why can't a person?
This topic has aroused heated discussions among netizens, and some netizens claim that some foreign countries have already said that personal bankruptcy is already available, why is China slow to introduce it?
Personal bankruptcy application in the country
When it comes to bankruptcy, people always think of corporations and banks. If some businesses or banks have incurred large debts due to poor management, then they can file for bankruptcy and then start liquidating their assets.
Once these companies are declared bankrupt, their existing assets will be auctioned off and liquidated, but the operators of the enterprises will no longer have to incur huge debts. For many companies, they don't think bankruptcy is a bad thing.
Because declaring bankruptcy can protect their own interests to the greatest extent compared to carrying huge debts. But the corresponding is the loss of the interests of some people, if these companies themselves owe huge debts.
After entering bankruptcy liquidation, the auction of all these properties cannot fully repay the debts. From this point of view, it is indeed disadvantageous for creditors.
Taking into account various factors, the bankruptcy of enterprises and banks is also a practice that is more beneficial to all aspects.
However, with the development of time, especially after the epidemic in recent years, the financial situation of individuals has also become a serious problem.
In addition to banks and businesses, there are in fact many self-employed individuals who run their own small businesses. The profitability of these small businesses is not bad, although they are not rich and expensive, but they can also guarantee a high income.
However, under the epidemic, business in all walks of life is not easy to do. Some manufacturers' products are piled up in warehouses and are difficult to sell, and even deteriorate over time.
If the product is in the warehouse for an extra day, the merchant will continue to lose money. During the pandemic, many small businesses said they had debts that they could not pay off.
In the case of private debts, the two parties can also resolve them through coordination, and it is also possible to extend the repayment period. However, if the loan owed to the bank is not repaid in time, then the situation is very serious.
The epidemic has had a very big impact on people all over the world, not only in China, but also on the incomes of many residents abroad.
However, they can file for personal bankruptcy with the government, and the situation will be better to pay off the debt. At most, it will be just a matter of starting over financially and without much pressure.
In China, there are actually similar measures for personal bankruptcy, but the mainland system still needs to be improved in order to truly achieve the effect of applying for personal bankruptcy.
The personal bankruptcy system introduced by the mainland is actually the current enforcement of untrustworthy persons. Why is this happening?
Some people need to go to the bank for loans because they need to do business personally, but under the epidemic, the capital chain of private small enterprises is easily broken.
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Failure to repay bank debts in a timely manner also occurs from time to time, and once the debts are not paid off in time beyond the time limit set by the bank, the bank will classify these people as dishonest persons.
The mainland also has corresponding punishment measures for such untrustworthy persons, of course, not only these people will be listed as untrustworthy persons, but ordinary people may also be.
This reason must be familiar to everyone, that is, mortgages. During the pandemic, many people's incomes have been affected. Some people were even fired because of poor business performance and lost their income.
But most of them are still saddled with huge mortgages and need to pay off part of it every month. Once the mortgage has not been repaid beyond the specified period, it will be enforced by the bank and included in the list of dishonest persons.
A vicious circle of debt
The mainland's system of dishonesty is actually the prototype of the personal bankruptcy plan. On the contrary, you can see that this practice does not actually protect the economic security of individuals, but creates a vicious circle of debt. Why? A simple analysis will tell you how.
Take the mortgage as an example, if a person cannot repay the mortgage in time, then not only will he be included in the list of dishonest persons, but the house will also be repossessed.
This means that these people will not have a fixed place to live. Moreover, the list of dishonest people can be found on the Internet, and this information is almost open and transparent.
If a person is classified as a dishonest person, then there is a high probability that the major enterprises will not sign a labor contract with him. It can be said that dishonesty is very terrible for an ordinary person.
If a person has been on the list of dishonest people and pays off his debts in a timely manner, all aspects of his life will also be affected.
When taking the examination for civil servants and public institutions, untrustworthy persons will not be admitted, and these units directly close the door to untrustworthy persons and do not allow them to enter.
Moreover, if the dishonest person borrows from the bank again, the bank will judge that such person is a high-risk customer and will not grant them a loan.
For business people, after their capital chain is broken, they need to borrow from the bank to maintain the stability of their business.
Perhaps, after a while, as long as the funds are sufficient, these small businesses can be revived and even increase their profitability. But the problem is that once they are listed as dishonest people, the banks will no longer lend to them.
These people don't have enough money and could have made a profit, but now they're in debt.
If these debts are not paid off, they will find it very inconvenient in life. Nowadays, everyone generally travels by high-speed rail, and dishonest people cannot buy high-speed rail tickets.
Naturally, it is also impossible to buy a plane ticket, and these people can only travel by train to other places. In addition to this, the dishonest person is also restricted from spending.
Some slightly larger purchases are not allowed. It is conceivable that under these policies, a vicious circle will occur in everyone's debt.
They don't make enough money to support themselves, or they don't get enough loans to keep their businesses running. If you can't get a loan from a bank or other legitimate channels, you can only look for opportunities from various online lending platforms.
These online loan platforms, their interest rates are very high. Soon these people will find that they simply cannot afford to repay the money from the online loan platform, and some will continue to borrow from other platforms to support the loan.
Over time, as the debts mount, they will find it difficult to pay off the money and get rid of the status of a dishonest person.
This is the drawback brought about by the current system, which was originally included in the list of dishonest persons because they could not repay their debts. Once enforced, all aspects will be restricted.
Wage earners can't find suitable jobs to earn money to pay off their loans, and business people are forced to go bankrupt and go into debt because they don't have enough money.
In contrast, the personal bankruptcy system in foreign countries is slightly more perfect. If you file for personal bankruptcy, your work and life will not be affected too much. And the debt will not increase, so the pressure to repay the debt will be less and less.
Concerns of netizens
For the introduction of the personal bankruptcy system, netizens have discussed a lot. Attitudes towards this matter are also different, some people are for it and some people are against it, and these concerns are all factors that need to be considered.
Netizens who support the implementation of this system believe that if you can file for bankruptcy when facing a personal financial crisis, you naturally don't have to bear too much pressure.
Because most ordinary people themselves are in an average financial situation, when accidents come, they have no way to prevent these accidents from happening, and they will inevitably have to bear debts.
For example, if you have a serious illness, some serious diseases such as cancer, leukemia and kidney disease, etc., are very difficult and expensive to treat.
These diseases are like a bottomless pit for ordinary families, often hundreds of thousands or millions. You can imagine how stressful it can be for an ordinary family.
If these families still have mortgages, once they start treatment, it will be difficult to repay the mortgage, and they will be included in the list of dishonest people.
The family, which is not wealthy, is even worse now, which makes people feel very painful. In fact, if you file for personal bankruptcy in this case, then at least it will not make life so difficult.
For these people, the introduction of a personal bankruptcy system is undoubtedly very necessary.
But netizens also have a lot of concerns, what if someone takes advantage of this to exploit loopholes? This will be harmful to the interests of others.
If someone owes a debt, they still have to file for personal bankruptcy if they have the ability to repay, and take this opportunity to escape the debt.
Then there is no need to repay these debts, but these people are obviously capable. After escaping their debts, the interests of these creditors are seriously harmed.
Therefore, netizens are also struggling with whether this personal bankruptcy system is really introduced. How should everyone's interests be protected in the future?
These are all issues that the whole society needs to think about, and if these problems are not solved, it will be difficult for the personal bankruptcy system to bring convenience to the people.
Therefore, we should not rush to call for the introduction of such a system, and its feasibility needs to be further examined.
epilogue
Although the personal bankruptcy system has certain benefits, it did rise abroad in the beginning. The mainland cannot directly borrow foreign systems, because the mainland's basic national conditions are different from those of foreign countries.
This system needs to be further reformed and perfected to become a system that is truly suitable for the mainland. In a complex and volatile economic environment, it is not new for individuals to have frequent problems with their financial situation, and this problem needs to be addressed.
Sources of information:
After a slight default, the bank asserts that the loan is due earlyCourt: the borrower has the willingness and ability to repay, and the contract can continue to be performed--People's Court Daily--2024-08-02