In recent years, increasing amounts of bad credits, caused mainly by lack of social credit and the dislocated relationship between creditors and debtors, have posed a great threat to China s financial system.

近些年来巨额银行不良贷款使我国金融业面临重大风险,产生这种风险的一个重要原因在于社会信用缺失,债权人和债务人关系的历史错位,从而导致了恶意逃债的债务人多如过江之鲫。

It requires creditor s rights of creditor to the debtor be legal, the creditor have the legal creditor s rights to the third person.

代位权具有其基本的法律特征,作为债权人代住权的成立要件,必然是债权人对债务人的债权要合法、债务人享有对第三人的合法债权、债务人怠于行使其权利且怠于行使到期债权的行为须对债权人的到期债权造成损害。

In the old days,to limit the debtors to fulfill his obligation, the bankruptcy system was established and the stigma was attached to the bankrupts.

以往的个人破产法以强制债务人还债为己任,对债务人设定严格的限制措施,使其长期陷于一种"窘境"之中。