Personal bankruptcy kubhekiswa kuwo yeenkqubo ukuba inkundla ubhengeze oyedwa bankrupt ngokulawulwa afanelekileyo umthethoA debtor ongenawo foreseeable ingeniso ngokwaneleyo ukuba abe eligible for credit imali ayikwazi uncedo nokufaka personal bankruptcy. Kubalulekile ukuba anike abanye ifomu ityala uncedo ityala-ridden abantu. Personal bankruptcy ngu elibalulekileyo ukusuka corporate bankruptcy.
Umzekelo, kwi-United States, onjalo izahluko ye-Bankruptcy Ikhowudi ingaba isicelo eso kuzo zombini personal kwaye corporate bankruptcies.
Uninzi abantu abaya kungena bankruptcy yenjenjalo phantsi Isahluko ishumi elinesithathu (a 'reorganization' isicwangciso) okanye Isahluko ezisixhenxe (a 'liquidation' debtor ke impahla yexabiso). Ngaphezulu kuyanqaphazekaarely, personal bankruptcy iingxoxo ingaba bamthwala phandle phantsi Isahluko se. I-ultimate imbono of personal bankruptcy, ukususela imboniso ye-debtor, ukufumana onikwe imvume yokulahlela. Kwi-south Korea, personal bankruptcy iingxoxo ingaba limiselwe ngumthetho Isahluko abane - Debtor Rehabilitation kwaye Bankruptcy Act (hereinafter 'Umthetho'). Kwi-south Korea, ngamnye kuthi abo musa lihlawule zabo amatyala kwi shedyuli ingaba ekubhekiswe kuye njengoko 'credit delinquents', ngenxa yokuba uninzi amatyala baba accrued ngenxa yamatyala yandiswe ngu-mali amaziko. Credit delinquents ichaziwe njengoko abanamatyala abo babengengabo lihlawule amatyala ubuncinane KRW, iinyanga ezintathu okanye ngaphezulu. Xa umntu ubhaliswe njengoko i-credit delinquent, - mali amaziko wema zonke eyenziweyo naye okanye yakhe. Inani credit delinquents kwi-south Korea wenziwe lokukhula steadily ukususela IMF Mbhodamo ngowe.
Inani presumably waqalisa e malunga nama-asibhozo amawaka ngowe, kwaye ufikelele. ezine ipesenti Afrika isikorean bonke (amashumi amane anesihlanu million).
Urhulumente initiated eziliqela inkxaso iinkqubo, kodwa inani credit delinquents sele decreased kakhulu ngokucotha. Ukuze kuvumela ngempumelelo imali ye-credit delinquents, kubalulekile imperative ukucutha amatyala kwi ngaphezulu ngenkxaso uhlobo, cacisa impediments kuba lula ukusebenzisa personal bankruptcy iindlela, kwaye ukubonelela lwezemveliso ukukhuthaza abanamatyala ukwenza inkqubela kwindlela yabo repayment izicwangciso. Xa kukho wenziwe kakhulu ukutshintsha ngokomthetho ukufunda ukuhlala kunye bankruptcy njengoko i-inevitable inxalenye a kwimakethi kuqoqosho, kusekho kakhulu ukuba kwenziwe. Inyaniso 'kwendlela eziyingozi' kwi-bankruptcy onikwe imvume yokulahlela, kufuneka uncovered. Isemthethweni restraints discriminating ngokuchasene bankrupts kufuneka kususwa. I-ixesha lokuhlawula nganye nganye rehabilitation kwaye umntu workouts kufuneka shortened ukuya kwiminyaka emithathu ezayo. Personal guarantors kuba abanamatyala kwi-rehabilitation iingxoxo ikhuselwe kangangoko njengoko abanamatyala ingaba ngexesha ixesha lokuhlawula kwi-rehabilitation iingxoxo. Abanamatyala kufuneka ikwazi ukugcina zabo mortgaged residences ngexesha iingxoxo. Imbali insolvency libonise ukuba society unako inzuzo kangangoko okanye ngaphezu abanamatyala ngokwabo ukususela onikwe imvume yokulahlela ka-unpaid amatyala ngenxa nge inyama ukuqala debtor ingaba i-incentive ukusebenza nzima. I-uqala ku personal bankruptcy umthetho komhlaba lento nenkolo Kwi-kwangoko s kwi-aftermath 'ikhadi lebhanki letyala fiasco' xa inani credit delinquents amounted ukuba ezine zeerandi, personal bankruptcy-zicelo baba ithathwe njengoko victims of kwendlela eziyingozi. Noko ke, ukususela imboniso ka-ijaji eliphetheyo ka-deliberation ezinjalo iimeko, omnye kuphela ipesenti kwezo zicelo baba influenced yi-kwendlela eziyingozi, kwaye ipesenti ye-zicelo babebaninzi kufuneka na uhlobo uncedo. Kwiziganeko eziliqela, personal bankruptcy iimeko kukho inzala ezinjalo loluntu structural iingxaki. Xa kuqaliswayo, Umntu Debtor Rehabilitation Umthetho waba kuqala, owenziwe Kumatshi (Umthetho Ongunombolo) kwaye kwasetyenziswa kuba eliqalela septemba, ukuya Ngomatshi, ukukhombisa u-ngokufanelekileyo lwesiqu bankruptcy amatyala. Njengoko Umthetho kwi Debtor ke Rehabilitation kwaye Bankruptcy yaqalisa umkhosi ngoaprili, abo izibonelelo arhoxiswe umthetho baba idityaniswe kulo Mthetho. Kutshanje lokukhula inani ngabantu nokufaka isicelo enkundleni-mediated ityala workout iinkqubo emva falling kwi nzima ityala phakathi kwezoqoqosho slump. I-global-mali mbhodamo kwi-iminyaka - prompted ezininzi eliphakathi-iklasi abasebenzi abo onayo wabeka ngaphandle ukuqala kwezabo amashishini. Kodwa abaninzi ezi kakhulu kwamaxabiso izivumelwano zokwakha uluhlu kuba ayiphumelelanga kwaye bamele falling kwi-hard phinda-phinda kwakhona. Ukwanda ngo-zicelo kuba ityala workout yiyo ithumela enkulu amaza amancinane amanzi kuwo isikorean ekuhlaleni ngenxa yokuba ibonisa nje zingaphi ngabantu ukukhupha ngaphandle economically esebenzayo abantu behlabathi. Ngokungafaniyo ne-personal bankruptcy filings, apho involve indebted abantu kunye akukho mvuzo, ityala workout lwenkqubo-zicelo ingaba ayikwazi inkonzo yabo amatyala nkqu nokuba bathe steady imivuzo. Abanye kubo afanelekile ukuba kuba ngomhla we-ndihamba credit imali.
A lokukhula inani amashishini bamele kanjalo ndinovelwano i-tsweba.
Ngokunxulumene i-seoul inkundla, iinkampani isetyenziswe kuba inkundla-mediated ityala workout iinkqubo njengoko juni, xa kuthelekiswa nama- kuba bonke ka. Iinkampani ukuba kwakukho kwi wendawo bankruptcy emva yehlabathi mali mbhodamo kuba sele ihambile isisu-phezulu. Ngoku bankruptcies kuba kunabela ukuba mid-sized amashishini Kuvakala ngathi a dyke ukukhusela uqoqosho lwethu sele alaphukanga.
