第二章为个人破产制度构建的理由。
Chapter two is about the reason of constructing the natural person bankruptcy system.
汶川地震，凸显了破产法缺失个人破产制度。
重点讲述了个人破产的理论来源和法理学基础。
Focus on the personal bankruptcy of the theory of the origin and foundation of jurisprudence.
第四章是个人破产制度的构建配套措施的建立和完善。
The last chapter is the establishment and perfection of supporting measure in personal bankruptcy system.
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.
第二章分析了个人破产制度的构建的可行性，分为二个部分。
The second chapter analyzes feasibility of the personal bankruptcy system, has two parts.
医疗方面支出每30秒导致一例破产.(注 应该指个人破产)
拖欠比率下降，部分是因为个人破产个案上升令机构增加撇帐。
The decline was due in part to increased write-offs made by institutions in relation to personal bankruptcies.
2009年140万美国人申请个人破产，相比2008年增长了32%。
Over 1.4 million Americans filed for personal bankruptcy in 2009, which represented a 32 percent increase over 2008.
邹海林：个人破产制度的重要意义在于保护了债权人的平等利益。
Zou vocalists: personal insolvency regime is the significance of the equal protection of the interests of creditors.
拖欠比率下降，主要是因为认可机构提前就个人破产个案进行撇帐。
The decline was largely due to institutions making charge-offs in relation to personal bankruptcies earlier.
止赎权与个人破产的信用记录保留期限最为接近，要保留7年(破产为10年)。
Foreclosures are the closest thing to personal bankruptcy, and stay on a person's credit record for seven years. (bankruptcy stays for ten.)
上述比率上升，主要因为个人破产个案急升，令信用卡组合的质素恶化。
The worsening of these figures reflects a deterioration in the quality of credit card portfolios, relating in particular to the sharp rise in personal bankruptcies.
破产免责制度是个人破产中的一项特有制度，并在个人破产制度中处于核心地位。
The discharge system is a peculiar system in the bankruptcy system of individuals, and it's at the core of the bankruptcy system of individuals.
在这里个人破产和抵押品赎回权丧失和这个国家其他地方一样高，已经创建的公司降低了招聘。
Personal bankruptcies and foreclosures are as high here as in the rest of the country, and established companies are cutting way back on hiring.
2007年上半年，个人破产上升了48%，下半年可能更多，掀起了一波消费者贷款违约的浪潮。
Personal bankruptcies rose 48 per cent in first half of 2007, probably even more in the second half, which means a wave of defaults on consumer loans.
破产法律服务：很糟糕，但这是事实：当企业和个人破产的时候，他们需要律师协助解决问题。
Bankruptcy law: it's sad, but true: As companies and individuals go bankrupt, they'll need a lawyer to help them work through it all.
在贷款需求呆滞、利率下调和个人破产个案急升的情况下，银行盈利深受负面影响，边际利润持续受压。
The pressure on margins did not subside, and profitability was adversely affected by sluggish loan demand, falling interest rates and the sharp rise in the number of personal bankruptcies.
接着对我国《破产法》(草案)中有关免责制度的具体规定进行了评析，指出我国个人破产免责制度立法存在的不足之处。
Then, it evaluates and analyses the provisions of the discharge system in the new bankruptcy law draft of China, and points out the deficiency of the draft.
如果有人欠你的钱，你可能会发现你不得不经常打电话确认钱会还给你，以免出现那个人破产而你只能拿着你的包包却收不回钱来。
If anyone owes you money, you may find you have to keep calling to be sure you get paid, lest one goes bankrupt and leaves you holding the bag.
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。
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.
在没有破产制度的情况下，企业或者个人资不抵债时会怎么做呢？
What does a firm or an individual do when it is broke and there is no bankruptcy regime?
1978年，国会通过破产重组的法案，让企业和个人能更加容易获得新生。
In 1978, Congress passed a revamped bankruptcy code, making it easier for businesses and individuals to start anew.
如果该栋建筑物房产破产，贷方会取消公共区域的赎回权，但个人部分不受影响。
If the building goes bankrupt, the lender will foreclose on the ownership of the common area, but individual apartment owners will not be affected.
同样，对待银行的破产人们如临大敌，却几乎看不到对个人在私人信贷紧缩中受到打击处于困境的关注。
Similarly, the crash of the banks is treated a seismic shock, while the plight of individuals caught in their personal credit crunch is almost invisible.
第二十五条任何单位和个人不得非法处理破产企业的财产、帐册、文书、资料和印章等。
Article 25. No unit or individual may illegally dispose of the property, account books, documents, materials, seals, etc. of a bankrupt enterprise.
第二十五条任何单位和个人不得非法处理破产企业的财产、帐册、文书、资料和印章等。
Article 25. No unit or individual may illegally dispose of the property, account books, documents, materials, seals, etc. of a bankrupt enterprise.
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