自然人破产作为破产制度的重要组成对社会经济正常运转有重大作用。随着中国人口老龄化加剧,经济流动性降低,极易导致市场紧缩,致使部分自然人陷入实质破产状态。法律巢白导致债权人利益无法获得应有保障,进而加剧社会不稳定。亟待从中国经济状况出发,参照相关国家经验,深入分析中国构建自然人破产制度的必要性与具体策略。 The bankruptcy of natural persons, as an important part of the bankruptcy system, plays an important role in the normal operation of social economy. As China’s population ages and the economy is less fluid, it will easily lead to a tightening of the market, causing some natural persons to plummet into real bankruptcy. Law nets lead to the interests of creditors can not get the due protection, thereby aggravating social instability. Urgent need to proceed from China’s economic conditions, with reference to relevant national experience, in-depth analysis of China’s necessity and specific strategies for building a natural person bankruptcy system.