| 英文摘要 |
At present, the problem of over-indebtedness in mainland China needs to be addressed, but it will take some time to construct the personal bankruptcy system and enact the personal bankruptcy law. As the individual repayment procedure, the informal personal debt solutions are flexible and based on the autonomy of will between parties. They paly an important role in alleviating the problem of overindebtedness and making up for the lack of personal bankruptcy system and formal personal debt solutions. Meanwhile, informal personal debt solutions are able to meet the needs of debtors in different situations, and are of great significance to the construction of the multi-level system of personal debt solutions. The construction of informal personal debt solutions should start with those that does not provide discharge of debts, such as Debt Management Plan and Debt Consolidation to obtain the cooperation of financial institutions and wide acceptance of the public. At the same time, we should pay attention to the construction of related supporting systems, such as cultivation of financial service market, regulation of debt collection industry, improvement of personal credit system and popularization of financial education
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