However, the personal bankruptcy system in our country is still in legislative gap.
但是,个人破产制度在我国还处于立法空白。
参考来源 - 国际社会个人破产制度研究（研究生论文）Starting from the definition of bankruptcy discharge, section one discusses the development from non-discharge to discharge in individual bankruptcy, and proposes the values of its existence.
在第一节中,笔者从破产免责制度的定义出发,简要勾勒了个人破产从不免责主义到免责主义的发展趋势,并提出了破产免责制度存在的价值。
参考来源 - 论破产免责的立法模式与制度构建（研究生论文）The defect of credit card system in China reflects mainly in the absences of personal credit system, personal bankrupt system, guarantee system of credit card and united consumption credit law.
我国信用卡业务的制度缺陷主要体现在银行对持卡人拖欠透支款缺乏有效的催收措施、健全的个人信用制度、个人破产制度、信用卡担保保证制度以及完善、统一的消费信贷法规。
参考来源 - 论我国信用卡风险防范的法律制度建设·2,447,543篇论文数据，部分数据来源于NoteExpress
因此近期个人破产宗数持续减少，实在令我们感到欣慰。
We are therefore pleased to see the continuing decline in personal bankruptcies.
据《华尔街日报》报道，美国今年有1500万的人已提出个人破产。
In the United States, more than 1.5 million people have filed for personal bankruptcies this year, as reported in the Wall Street Journal.
医疗方面支出每30秒导致一例破产.(注 应该指个人破产)
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