问题描述：
英语翻译
2008年汶川大地震所导致的大量私人房屋倒塌损毁,让“个人破产”这一近年来被提及较多的制度再次成为焦点话题.5月31日,全国人大财经委原副主任委员贾志杰提出,针对大地震中倒塌房屋的人无法偿还购房贷款的情形,需要通过建立个人破产制度来解决.
2009年1月15日,中国人民银行副行长朱民在“个人破产法律制度与不良贷款处置国际研讨会”上表示,建立个人破产法律制度意义重大.他指出,目前我国个人破产法律制度尚未健全,建立个人破产法律制度对于保护金融消费者、维护金融机构健康运行、促进国家金融稳定、支持我国走“依靠内需发展”的道路以及促进宏观经济结构调整,都具有非常重要的意义.
个人破产制度的提起得到了许多法律学者的响应,由此可见在个人作为市场经济主体日益频繁地参与市场经济活动,面对更多经济风险的今天,只允许企业破产的法律制度已经远远不能适应中国社会经济的发展要求,构建中国的个人破产制度迫在眉睫.
问题解答：
我来补答
2008 wenchuan earthquake caused a large number of private houses collapsed damaged,let "personal bankruptcy" this YiJin years to be mentioned more system once again become a central topic.May 31,the National People's Congress CaiJingWei former vice director of JiaZhiJie puts forward,the massive earthquake in the collapse of housing people unable to pay the purchase loans case,need by establishing personal bankruptcy system to solve.
On January 15,2009,the people's bank of China deputy governor ZhuMin in "personal bankruptcy legal system and bad loans disposal international conference on said,establishing personal bankruptcy legal system is of great significance.He pointed out that,at present,China's personal bankruptcy legal system has not been perfect,establishing personal bankruptcy legal system for the protection of consumers,to safeguard the financial institutions financial health operation,to promote the state financial stability,support our country go "rely on domestic demand development" the roads and to promote the macro economic structure adjustment,has a very important significance.
Personal bankruptcy system is getting a lot of legal scholars mentioned the response,thus it can be seen in the individual market as the economic subject to frequent in the market economic activities,face more economic risk today,only allow the enterprise bankruptcy legal system has far can not adapt to the requirements of the development of the Chinese economy,the construction of the China's personal bankruptcy system is imminent.
