{"id":22885,"date":"2026-10-26T17:01:08","date_gmt":"2026-10-26T07:01:08","guid":{"rendered":"https:\/\/fumens.com.au\/?p=22885"},"modified":"2026-10-26T17:01:08","modified_gmt":"2026-10-26T07:01:08","slug":"%e8%b5%a2%e4%ba%86%e5%ae%98%e5%8f%b8%ef%bc%8c%e5%af%b9%e6%96%b9%e4%bb%8d%e4%b8%8d%e8%bf%98%e9%92%b1%ef%bc%9f%e7%94%b3%e8%af%b7%e4%b8%aa%e4%ba%ba%e7%a0%b4%e4%ba%a7%e5%89%8d%ef%bc%8c%e9%9c%80%e8%a6%81","status":"publish","type":"post","link":"https:\/\/fumens.com.au\/cn\/2026\/10\/26\/%e8%b5%a2%e4%ba%86%e5%ae%98%e5%8f%b8%ef%bc%8c%e5%af%b9%e6%96%b9%e4%bb%8d%e4%b8%8d%e8%bf%98%e9%92%b1%ef%bc%9f%e7%94%b3%e8%af%b7%e4%b8%aa%e4%ba%ba%e7%a0%b4%e4%ba%a7%e5%89%8d%ef%bc%8c%e9%9c%80%e8%a6%81\/","title":{"rendered":"\u8d62\u4e86\u5b98\u53f8\uff0c\u5bf9\u65b9\u4ecd\u4e0d\u8fd8\u94b1\uff1f\u7533\u8bf7\u4e2a\u4eba\u7834\u4ea7\u524d\uff0c\u9700\u8981\u505a\u597d\u54ea\u4e9b\u51c6\u5907\uff1f"},"content":{"rendered":"<p>\u5b98\u53f8\u8d62\u4e86\uff0c\u6cd5\u9662\u4e5f\u5224\u4e86\uff0c\u5bf9\u65b9\u5374\u8fdf\u8fdf\u4e0d\u4ed8\u6b3e\u3002\u50ac\u6b3e\u6ca1\u6709\u7ed3\u679c\uff0c\u6267\u884c\u4e5f\u9047\u5230\u56f0\u96be\uff0c\u5f88\u591a\u503a\u6743\u4eba\u4f1a\u95ee\uff1a<\/p>\n<p>\u201c\u80fd\u4e0d\u80fd\u7533\u8bf7\u8ba9\u5bf9\u65b9\u7834\u4ea7\uff0c\u628a\u6b20\u6b3e\u8ffd\u56de\u6765\uff1f\u201d<\/p>\n<p>\u5728\u6fb3\u6d32\uff0c\u7b26\u5408\u6761\u4ef6\u7684\u503a\u6743\u4eba\u53ef\u4ee5\u5411\u6cd5\u9662\u7533\u8bf7\u503a\u52a1\u4eba\u4e2a\u4eba\u7834\u4ea7\u3002\u4f46<strong><b>\u62ff\u5230\u5224\u51b3\uff0c\u4e0d\u7b49\u4e8e\u53ef\u4ee5\u76f4\u63a5\u8ba9\u5bf9\u65b9\u7834\u4ea7\uff1b\u5bf9\u65b9\u7834\u4ea7\uff0c\u4e5f\u4e0d\u4ee3\u8868\u6b20\u6b3e\u4e00\u5b9a\u80fd\u6536\u56de\u3002<\/b><\/strong><\/p>\n<p>\u5728\u542f\u52a8\u7a0b\u5e8f\u524d\uff0c\u9700\u8981\u5148\u6838\u5b9e\u6cd5\u5f8b\u6761\u4ef6\u3001\u6574\u7406\u8bc1\u636e\uff0c\u5e76\u8bc4\u4f30\u5b9e\u9645\u8ffd\u507f\u7684\u53ef\u80fd\u6027\u3002<\/p>\n<h3><strong><b>\u4e00\u3001\u5148\u786e\u8ba4\uff1a\u5224\u51b3\u548c\u6b20\u6b3e\u662f\u5426\u7b26\u5408\u8981\u6c42\uff1f<\/b><\/strong><\/h3>\n<p>\u6fb3\u6d32\u7684\u4e2a\u4eba\u7834\u4ea7\u7531\u8054\u90a6\u300a1966\u5e74\u7834\u4ea7\u6cd5\u300b\uff08Bankruptcy Act 1966 (Cth)\uff09\u89c4\u7ba1\uff0c\u5168\u6fb3\u7edf\u4e00\u9002\u7528\uff0c\u7ef4\u5dde\u4ea6\u7136\u3002<\/p>\n<p>\u4ee5\u672a\u5c65\u884c\u6cd5\u9662\u5224\u51b3\u4e3a\u57fa\u7840\uff0c\u5411\u6fb3\u5927\u5229\u4e9a\u8d22\u52a1\u5b89\u5168\u5c40\uff08Australian Financial Security Authority\uff0cAFSA\uff09\u7533\u8bf7\u53d1\u51fa\u7834\u4ea7\u901a\u77e5\uff08Bankruptcy Notice\uff09\uff0c\u901a\u5e38\u9700\u8981\u6838\u5bf9\uff1a<\/p>\n<ul>\n<li>\u662f\u5426\u5df2\u53d6\u5f97\u7b26\u5408\u8981\u6c42\u7684\u6700\u7ec8\u5224\u51b3\u6216\u547d\u4ee4\uff1b<\/li>\n<li>\u76f8\u5173\u672a\u507f\u503a\u52a1\u662f\u5426\u8fbe\u5230\u76ee\u524d\u7684\u6cd5\u5b9a\u95e8\u69db\uff1b<\/li>\n<li>\u5224\u51b3\u6216\u547d\u4ee4\u4f5c\u51fa\u4e4b\u65e5\u8d77\u662f\u5426\u672a\u8d85\u8fc7\u516d\u5e74\uff1b<\/li>\n<li>\u5224\u51b3\u662f\u5426\u88ab\u6682\u7f13\u6267\u884c\uff0c\u6216\u5b58\u5728\u5f71\u54cd\u7a0b\u5e8f\u7684\u5176\u4ed6\u6cd5\u9662\u547d\u4ee4\u3002<\/li>\n<\/ul>\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c<strong><b>\u539f\u5224\u51b3\u91d1\u989d\uff0c\u4e0d\u4e00\u5b9a\u7b49\u4e8e\u73b0\u5728\u53ef\u4ee5\u8ffd\u8ba8\u7684\u91d1\u989d\u3002<\/b><\/strong>\u5982\u679c\u5bf9\u65b9\u5df2\u7ecf\u90e8\u5206\u8fd8\u6b3e\uff0c\u6216\u6d89\u53ca\u5229\u606f\u53ca\u8d39\u7528\uff0c\u5747\u9700\u91cd\u65b0\u6838\u7b97\uff0c\u786e\u4fdd\u901a\u77e5\u4e2d\u7684\u91d1\u989d\u51c6\u786e\u3002<\/p>\n<h3><strong><b>\u4e8c\u3001\u524d\u671f\u9700\u8981\u6574\u7406\u54ea\u4e9b\u6750\u6599\uff1f<\/b><\/strong><\/h3>\n<p>\u9664\u4e86\u6cd5\u9662\u5224\u51b3\uff0c\u8fd8\u5e94\u6574\u7406\u80fd\u591f\u8bf4\u660e\u503a\u52a1\u73b0\u72b6\u548c\u8ffd\u507f\u7ecf\u8fc7\u7684\u8d44\u6599\uff0c\u4f8b\u5982\uff1a<\/p>\n<ul>\n<li>\u6cd5\u9662\u76d6\u7ae0\u7684\u5224\u51b3\u3001\u547d\u4ee4\u53ca\u76f8\u5173\u6587\u4ef6\uff1b<\/li>\n<li>\u6b20\u6b3e\u660e\u7ec6\u3001\u5229\u606f\u8ba1\u7b97\u548c\u5df2\u6536\u6b3e\u8bb0\u5f55\uff1b<\/li>\n<li>\u50ac\u6b3e\u3001\u8fd8\u6b3e\u627f\u8bfa\u6216\u5206\u671f\u5b89\u6392\u7684\u5f80\u6765\u8bb0\u5f55\uff1b<\/li>\n<li>\u5df2\u91c7\u53d6\u7684\u6267\u884c\u63aa\u65bd\u53ca\u7ed3\u679c\uff1b<\/li>\n<li>\u503a\u52a1\u4eba\u7684\u8eab\u4efd\u3001\u4f4f\u5740\u53ca\u73b0\u6709\u8054\u7cfb\u65b9\u5f0f\u3002<\/li>\n<\/ul>\n<p>\u8fd9\u4e9b\u6750\u6599\u6709\u52a9\u4e8e\u5f8b\u5e08\u6838\u5bf9\u7533\u8bf7\u57fa\u7840\u3001\u6b20\u6b3e\u4f59\u989d\u548c\u9001\u8fbe\u5b89\u6392\u3002<strong><b>\u201c\u5bf9\u65b9\u4e00\u76f4\u4e0d\u8fd8\u94b1\u201d\u662f\u4e8b\u5b9e\u80cc\u666f\uff0c\u4f46\u6b63\u5f0f\u7533\u8bf7\u4ecd\u9700\u8981\u51c6\u786e\u3001\u5b8c\u6574\u7684\u8bc1\u636e\u652f\u6301\u3002<\/b><\/strong><\/p>\n<h3><strong><b>\u4e09\u3001\u5bf9\u65b9\u662f\u5426\u5df2\u7ecf\u7834\u4ea7\uff1f\u6709\u6ca1\u6709\u53ef\u4f9b\u8ffd\u507f\u7684\u8d44\u4ea7\uff1f<\/b><\/strong><\/h3>\n<p>\u542f\u52a8\u7a0b\u5e8f\u524d\uff0c\u5e94\u5148\u67e5\u8be2\u5bf9\u65b9\u662f\u5426\u5df2\u7ecf\u7834\u4ea7\uff0c\u6216\u8fdb\u5165\u5176\u4ed6\u4e2a\u4eba\u503a\u52a1\u5b89\u6392\u3002\u53ef\u901a\u8fc7 AFSA\u00a0\u7684\u5168\u56fd\u4e2a\u4eba\u7834\u4ea7\u7d22\u5f15\uff08National Personal Insolvency Index\uff0cNPII\uff09\u67e5\u8be2\uff0c\u4ee5\u4e86\u89e3\u503a\u52a1\u4eba\u7684\u73b0\u6709\u72b6\u6001\u3002<\/p>\n<p>\u540c\u65f6\uff0c\u4e5f\u9700\u8981\u521d\u6b65\u4e86\u89e3\u5bf9\u65b9\u7684\u8d44\u4ea7\u60c5\u51b5\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u540d\u4e0b\u867d\u7136\u6709\u623f\u4ea7\uff0c\u4f46\u6263\u9664\u62b5\u62bc\u8d37\u6b3e\u540e\uff0c\u672a\u5fc5\u8fd8\u6709\u53ef\u4f9b\u5206\u914d\u7684\u51c0\u503c\uff1b\u6709\u4e9b\u8d22\u4ea7\u4e5f\u53ef\u80fd\u4f9d\u6cd5\u53d7\u5230\u4fdd\u62a4\uff0c\u4e0d\u80fd\u7528\u4e8e\u507f\u8fd8\u503a\u52a1\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u91cd\u70b9\u4e0d\u53ea\u662f\u201c\u5bf9\u65b9\u6709\u6ca1\u6709\u8d44\u4ea7\u201d\uff0c\u800c\u662f<strong><b>\u6709\u54ea\u4e9b\u8d44\u4ea7\u53ef\u4ee5\u4f9d\u6cd5\u5904\u7406\uff0c\u4ee5\u53ca\u5904\u7406\u540e\u662f\u5426\u53ef\u80fd\u6709\u8d44\u91d1\u5206\u914d\u7ed9\u503a\u6743\u4eba\u3002<\/b><\/strong><\/p>\n<h3><strong><b>\u56db\u3001\u7834\u4ea7\u901a\u77e5\uff0c\u4e0d\u662f\u4e00\u5c01\u666e\u901a\u50ac\u6b3e\u4fe1<\/b><\/strong><\/h3>\n<p>\u4ee5\u672a\u5c65\u884c\u5224\u51b3\u4e3a\u57fa\u7840\u7684\u5e38\u89c1\u7a0b\u5e8f\uff0c\u662f\u5148\u7533\u8bf7\u53d1\u51fa\u7834\u4ea7\u901a\u77e5\uff0c\u5e76\u4f9d\u6cd5\u5b8c\u6210\u9001\u8fbe\u3002\u7834\u4ea7\u901a\u77e5\u7b7e\u53d1\u540e\uff0c\u4e00\u822c\u987b\u5728\u516d\u4e2a\u6708\u5185\u9001\u8fbe\u503a\u52a1\u4eba\u3002<\/p>\n<p>\u5728\u6fb3\u6d32\u5883\u5185\u9001\u8fbe\u65f6\uff0c\u503a\u52a1\u4eba\u901a\u5e38\u6709 <strong><b>21\u5929<\/b><\/strong>\u00a0\u5c65\u884c\u901a\u77e5\u8981\u6c42\uff0c\u4f46\u5177\u4f53\u671f\u9650\u53ef\u80fd\u53d7\u5230\u6cd5\u9662\u5ef6\u671f\u7b49\u56e0\u7d20\u5f71\u54cd\u3002<\/p>\n<p>\u5982\u679c\u503a\u52a1\u4eba\u672a\u4f9d\u6cd5\u5c65\u884c\uff0c\u53ef\u80fd\u6784\u6210\u6cd5\u5f8b\u4e0a\u7684\u201c\u7834\u4ea7\u884c\u4e3a\u201d\uff08Act of Bankruptcy\uff09\uff0c\u503a\u6743\u4eba\u624d\u53ef\u636e\u6b64\u8003\u8651\u5411\u6cd5\u9662\u63d0\u4ea4\u503a\u6743\u4eba\u5448\u8bf7\uff08Creditor\u2019s Petition\uff09\u3002<strong><b>\u901a\u77e5\u5230\u671f\uff0c\u4e0d\u4ee3\u8868\u5bf9\u65b9\u81ea\u52a8\u7834\u4ea7\u3002<\/b><\/strong><\/p>\n<p>\u76f8\u5173\u5448\u8bf7\u987b\u5728\u6240\u4f9d\u636e\u7684\u7834\u4ea7\u884c\u4e3a\u53d1\u751f\u540e\u516d\u4e2a\u6708\u5185\u63d0\u51fa\uff0c\u8be5\u671f\u9650\u4e0d\u80fd\u5ef6\u957f\u3002\u901a\u77e5\u5185\u5bb9\u3001\u9001\u8fbe\u65b9\u5f0f\u548c\u671f\u9650\u8ba1\u7b97\uff0c\u90fd\u53ef\u80fd\u5f71\u54cd\u540e\u7eed\u7533\u8bf7\u662f\u5426\u6210\u7acb\u3002<\/p>\n<h3><strong><b>\u4e94\u3001\u6000\u7591\u5bf9\u65b9\u8f6c\u79fb\u8d44\u4ea7\uff0c\u600e\u4e48\u529e\uff1f<\/b><\/strong><\/h3>\n<p>\u6709\u4e9b\u503a\u6743\u4eba\u4f1a\u53d1\u73b0\uff0c\u5bf9\u65b9\u5728\u6b20\u6b3e\u540e\u51fa\u552e\u623f\u4ea7\uff0c\u6216\u5c06\u8d22\u4ea7\u8f6c\u7ed9\u5bb6\u4eba\uff0c\u56e0\u6b64\u62c5\u5fc3\uff1a\u201c\u73b0\u5728\u7533\u8bf7\u7834\u4ea7\uff0c\u8fd8\u6709\u610f\u4e49\u5417\uff1f\u201d<\/p>\n<p>\u7834\u4ea7\u53d7\u6258\u4eba\uff08Trustee\uff09\u53ef\u4ee5\u8c03\u67e5\u503a\u52a1\u4eba\u7684\u8d22\u52a1\u60c5\u51b5\uff0c\u5e76\u8bc4\u4f30\u67d0\u4e9b\u4ea4\u6613\u6216\u8d44\u4ea7\u8f6c\u79fb\u662f\u5426\u80fd\u591f\u4f9d\u6cd5\u8ffd\u56de\u3002\u4f46<strong><b>\u5e76\u4e0d\u662f\u6240\u6709\u8f6c\u79fb\u90fd\u53ef\u4ee5\u64a4\u9500\uff0c\u4e5f\u4e0d\u662f\u4ec5\u51ed\u6000\u7591\u5c31\u80fd\u8ffd\u56de\u8d22\u4ea7\u3002<\/b><\/strong><\/p>\n<p>\u5982\u638c\u63e1\u76f8\u5173\u7ebf\u7d22\uff0c\u5e94\u4fdd\u5b58\u5408\u6cd5\u53d6\u5f97\u7684\u4ea4\u6613\u8d44\u6599\u3001\u5f80\u6765\u8bb0\u5f55\u53ca\u5173\u952e\u65e5\u671f\uff0c\u4ee5\u4fbf\u8bc4\u4f30\u662f\u5426\u5b58\u5728\u8fdb\u4e00\u6b65\u8c03\u67e5\u548c\u8ffd\u507f\u7684\u7a7a\u95f4\u3002<\/p>\n<h3><strong><b>\u516d\u3001\u7533\u8bf7\u4e4b\u524d\uff0c\u5148\u8003\u8651\u5b9e\u9645\u80fd\u6536\u56de\u591a\u5c11<\/b><\/strong><\/h3>\n<p>\u4e2a\u4eba\u7834\u4ea7\u662f\u96c6\u4f53\u503a\u52a1\u5904\u7406\u7a0b\u5e8f\u3002\u8fdb\u5165\u7834\u4ea7\u540e\uff0c\u53d7\u6258\u4eba\u4f1a\u4f9d\u6cd5\u7ba1\u7406\u7834\u4ea7\u8d22\u4ea7\uff0c\u5e76\u5728\u6709\u53ef\u5206\u914d\u8d44\u91d1\u65f6\u5411\u503a\u6743\u4eba\u4f5c\u51fa\u5206\u914d\u3002<\/p>\n<p><strong><b>\u5e76\u4e0d\u4f1a\u56e0\u4e3a\u4f60\u662f\u63d0\u51fa\u7533\u8bf7\u7684\u4eba\uff0c\u5c31\u5f53\u7136\u4f18\u5148\u6536\u56de\u5168\u90e8\u6b20\u6b3e\u3002<\/b><\/strong>\u5b9e\u9645\u56de\u6b3e\u8fd8\u4f1a\u53d7\u5230\u62c5\u4fdd\u503a\u6743\u3001\u6cd5\u5b9a\u4f18\u5148\u987a\u5e8f\u3001\u5176\u4ed6\u503a\u6743\u53ca\u7834\u4ea7\u7ba1\u7406\u8d39\u7528\u7b49\u56e0\u7d20\u5f71\u54cd\uff0c\u6709\u4e9b\u6848\u4ef6\u53ef\u80fd\u6ca1\u6709\u8d44\u91d1\u53ef\u4f9b\u666e\u901a\u65e0\u62c5\u4fdd\u503a\u6743\u4eba\u5206\u914d\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u7533\u8bf7\u524d\u4e0d\u4ec5\u8981\u5224\u65ad\u201c\u80fd\u4e0d\u80fd\u7533\u8bf7\u201d\uff0c\u8fd8\u8981\u8bc4\u4f30\u201c\u662f\u5426\u503c\u5f97\u7533\u8bf7\u201d\uff0c\u5c06\u9884\u8ba1\u8d39\u7528\u3001\u8d44\u4ea7\u60c5\u51b5\u548c\u5176\u4ed6\u53ef\u884c\u7684\u6267\u884c\u65b9\u5f0f\u4e00\u5e76\u8003\u8651\u3002<\/p>\n<p>\u5982\u679c\u60a8\u5df2\u7ecf\u53d6\u5f97\u6cd5\u9662\u5224\u51b3\uff0c\u5374\u4ecd\u65e0\u6cd5\u6536\u56de\u6b20\u6b3e\uff0c\u6b22\u8fce<a href=\"https:\/\/fumens.com.au\/cn\/%e8%81%94%e7%b3%bb%e6%88%91%e4%bb%ac\/\">\u8054\u7cfb\u6211\u4eec<\/a>\u3002\u5bcc\u6587\u5f8b\u5e08\u884c\u7684<a href=\"https:\/\/fumens.com.au\/cn\/insolvency-law-melbournecbd\/\">\u6c11\u4e8b\u8bc9\u8bbc\u56e2\u961f<\/a>\u53ef\u6839\u636e\u73b0\u6709\u6750\u6599\u53ca\u8ffd\u507f\u60c5\u51b5\uff0c\u534f\u52a9\u8bc4\u4f30\u4e2a\u4eba\u7834\u4ea7\u7a0b\u5e8f\u662f\u5426\u9002\u5408\u60a8\u7684\u6848\u4ef6\uff0c\u5e76\u5904\u7406\u76f8\u5173\u6cd5\u5f8b\u6587\u4ef6\u53ca\u7533\u8bf7\u3002<\/p>\n<p><em><i>\u672c\u6587\u4ec5\u63d0\u4f9b\u4e00\u822c\u6cd5\u5f8b\u4fe1\u606f\uff0c\u4e0d\u6784\u6210\u9488\u5bf9\u4e2a\u522b\u6848\u4ef6\u7684\u6cd5\u5f8b\u610f\u89c1\u3002\u5177\u4f53\u7533\u8bf7\u6761\u4ef6\u3001\u671f\u9650\u53ca\u8ffd\u507f\u65b9\u6848\u987b\u7ed3\u5408\u6848\u4ef6\u60c5\u51b5\u8bc4\u4f30<\/i><\/em><em><i>\uff0c<\/i><\/em><em><i>\u5e94\u6839\u636e\u5b9e\u9645\u60c5\u51b5\u53d6\u5f97\u72ec\u7acb\u6cd5\u5f8b\u610f\u89c1\u3002<\/i><\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5b98\u53f8\u8d62\u4e86\uff0c\u6cd5\u9662\u4e5f\u5224\u4e86\uff0c\u5bf9\u65b9\u5374\u8fdf\u8fdf\u4e0d\u4ed8\u6b3e\u3002\u50ac\u6b3e\u6ca1\u6709\u7ed3\u679c\uff0c\u6267\u884c\u4e5f\u9047\u5230\u56f0\u96be\uff0c\u5f88\u591a\u503a\u6743\u4eba\u4f1a\u95ee\uff1a \u201c\u80fd\u4e0d\u80fd\u7533\u8bf7\u8ba9\u5bf9\u65b9\u7834\u4ea7\uff0c\u628a\u6b20\u6b3e\u8ffd\u56de\u6765\uff1f\u201d \u5728\u6fb3\u6d32\uff0c\u7b26\u5408\u6761\u4ef6\u7684\u503a\u6743\u4eba\u53ef\u4ee5\u5411\u6cd5\u9662\u7533\u8bf7\u503a\u52a1\u4eba\u4e2a\u4eba\u7834\u4ea7\u3002\u4f46\u62ff\u5230\u5224\u51b3\uff0c\u4e0d\u7b49\u4e8e\u53ef\u4ee5\u76f4\u63a5\u8ba9\u5bf9\u65b9\u7834\u4ea7\uff1b\u5bf9\u65b9\u7834\u4ea7\uff0c\u4e5f\u4e0d\u4ee3\u8868\u6b20\u6b3e\u4e00\u5b9a\u80fd\u6536\u56de\u3002 \u5728\u542f\u52a8\u7a0b\u5e8f\u524d\uff0c\u9700\u8981\u5148\u6838\u5b9e\u6cd5\u5f8b\u6761\u4ef6\u3001\u6574\u7406\u8bc1\u636e\uff0c\u5e76\u8bc4\u4f30\u5b9e\u9645\u8ffd\u507f\u7684\u53ef\u80fd\u6027\u3002 \u4e00\u3001\u5148\u786e\u8ba4\uff1a\u5224\u51b3\u548c\u6b20\u6b3e\u662f\u5426\u7b26\u5408\u8981\u6c42\uff1f \u6fb3\u6d32\u7684\u4e2a\u4eba\u7834\u4ea7\u7531\u8054\u90a6\u300a1966\u5e74\u7834\u4ea7\u6cd5\u300b\uff08Bankruptcy Act 1966 (Cth)\uff09\u89c4\u7ba1\uff0c\u5168\u6fb3\u7edf\u4e00\u9002\u7528\uff0c\u7ef4\u5dde\u4ea6\u7136\u3002 \u4ee5\u672a\u5c65\u884c\u6cd5\u9662\u5224\u51b3\u4e3a\u57fa\u7840\uff0c\u5411\u6fb3\u5927\u5229\u4e9a\u8d22\u52a1\u5b89\u5168\u5c40\uff08Australian Financial Security Authority\uff0cAFSA\uff09\u7533\u8bf7\u53d1\u51fa\u7834\u4ea7\u901a\u77e5\uff08Bankruptcy Notice\uff09\uff0c\u901a\u5e38\u9700\u8981\u6838\u5bf9\uff1a \u662f\u5426\u5df2\u53d6\u5f97\u7b26\u5408\u8981\u6c42\u7684\u6700\u7ec8\u5224\u51b3\u6216\u547d\u4ee4\uff1b \u76f8\u5173\u672a\u507f\u503a\u52a1\u662f\u5426\u8fbe\u5230\u76ee\u524d\u7684\u6cd5\u5b9a\u95e8\u69db\uff1b \u5224\u51b3\u6216\u547d\u4ee4\u4f5c\u51fa\u4e4b\u65e5\u8d77\u662f\u5426\u672a\u8d85\u8fc7\u516d\u5e74\uff1b \u5224\u51b3\u662f\u5426\u88ab\u6682\u7f13\u6267\u884c\uff0c\u6216\u5b58\u5728\u5f71\u54cd\u7a0b\u5e8f\u7684\u5176\u4ed6\u6cd5\u9662\u547d\u4ee4\u3002 \u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u539f\u5224\u51b3\u91d1\u989d\uff0c\u4e0d\u4e00\u5b9a\u7b49\u4e8e\u73b0\u5728\u53ef\u4ee5\u8ffd\u8ba8\u7684\u91d1\u989d\u3002\u5982\u679c\u5bf9\u65b9\u5df2\u7ecf\u90e8\u5206\u8fd8\u6b3e\uff0c\u6216\u6d89\u53ca\u5229\u606f\u53ca\u8d39\u7528\uff0c\u5747\u9700\u91cd\u65b0\u6838\u7b97\uff0c\u786e\u4fdd\u901a\u77e5\u4e2d\u7684\u91d1\u989d\u51c6\u786e\u3002 \u4e8c\u3001\u524d\u671f\u9700\u8981\u6574\u7406\u54ea\u4e9b\u6750\u6599\uff1f \u9664\u4e86\u6cd5\u9662\u5224\u51b3\uff0c\u8fd8\u5e94\u6574\u7406\u80fd\u591f\u8bf4\u660e\u503a\u52a1\u73b0\u72b6\u548c\u8ffd\u507f\u7ecf\u8fc7\u7684\u8d44\u6599\uff0c\u4f8b\u5982\uff1a \u6cd5\u9662\u76d6\u7ae0\u7684\u5224\u51b3\u3001\u547d\u4ee4\u53ca\u76f8\u5173\u6587\u4ef6\uff1b \u6b20\u6b3e\u660e\u7ec6\u3001\u5229\u606f\u8ba1\u7b97\u548c\u5df2\u6536\u6b3e\u8bb0\u5f55\uff1b \u50ac\u6b3e\u3001\u8fd8\u6b3e\u627f\u8bfa\u6216\u5206\u671f\u5b89\u6392\u7684\u5f80\u6765\u8bb0\u5f55\uff1b \u5df2\u91c7\u53d6\u7684\u6267\u884c\u63aa\u65bd\u53ca\u7ed3\u679c\uff1b \u503a\u52a1\u4eba\u7684\u8eab\u4efd\u3001\u4f4f\u5740\u53ca\u73b0\u6709\u8054\u7cfb\u65b9\u5f0f\u3002 \u8fd9\u4e9b\u6750\u6599\u6709\u52a9\u4e8e\u5f8b\u5e08\u6838\u5bf9\u7533\u8bf7\u57fa\u7840\u3001\u6b20\u6b3e\u4f59\u989d\u548c\u9001\u8fbe\u5b89\u6392\u3002\u201c\u5bf9\u65b9\u4e00\u76f4\u4e0d\u8fd8\u94b1\u201d\u662f\u4e8b\u5b9e\u80cc\u666f\uff0c\u4f46\u6b63\u5f0f\u7533\u8bf7\u4ecd\u9700\u8981\u51c6\u786e\u3001\u5b8c\u6574\u7684\u8bc1\u636e\u652f\u6301\u3002 \u4e09\u3001\u5bf9\u65b9\u662f\u5426\u5df2\u7ecf\u7834\u4ea7\uff1f\u6709\u6ca1\u6709\u53ef\u4f9b\u8ffd\u507f\u7684\u8d44\u4ea7\uff1f \u542f\u52a8\u7a0b\u5e8f\u524d\uff0c\u5e94\u5148\u67e5\u8be2\u5bf9\u65b9\u662f\u5426\u5df2\u7ecf\u7834\u4ea7\uff0c\u6216\u8fdb\u5165\u5176\u4ed6\u4e2a\u4eba\u503a\u52a1\u5b89\u6392\u3002\u53ef\u901a\u8fc7 AFSA\u00a0\u7684\u5168\u56fd\u4e2a\u4eba\u7834\u4ea7\u7d22\u5f15\uff08National Personal Insolvency Index\uff0cNPII\uff09\u67e5\u8be2\uff0c\u4ee5\u4e86\u89e3\u503a\u52a1\u4eba\u7684\u73b0\u6709\u72b6\u6001\u3002 \u540c\u65f6\uff0c\u4e5f\u9700\u8981\u521d\u6b65\u4e86\u89e3\u5bf9\u65b9\u7684\u8d44\u4ea7\u60c5\u51b5\u3002 \u4f8b\u5982\uff0c\u540d\u4e0b\u867d\u7136\u6709\u623f\u4ea7\uff0c\u4f46\u6263\u9664\u62b5\u62bc\u8d37\u6b3e\u540e\uff0c\u672a\u5fc5\u8fd8\u6709\u53ef\u4f9b\u5206\u914d\u7684\u51c0\u503c\uff1b\u6709\u4e9b\u8d22\u4ea7\u4e5f\u53ef\u80fd\u4f9d\u6cd5\u53d7\u5230\u4fdd\u62a4\uff0c\u4e0d\u80fd\u7528\u4e8e\u507f\u8fd8\u503a\u52a1\u3002 \u56e0\u6b64\uff0c\u91cd\u70b9\u4e0d\u53ea\u662f\u201c\u5bf9\u65b9\u6709\u6ca1\u6709\u8d44\u4ea7\u201d\uff0c\u800c\u662f\u6709\u54ea\u4e9b\u8d44\u4ea7\u53ef\u4ee5\u4f9d\u6cd5\u5904\u7406\uff0c\u4ee5\u53ca\u5904\u7406\u540e\u662f\u5426\u53ef\u80fd\u6709\u8d44\u91d1\u5206\u914d\u7ed9\u503a\u6743\u4eba\u3002 \u56db\u3001\u7834\u4ea7\u901a\u77e5\uff0c\u4e0d\u662f\u4e00\u5c01\u666e\u901a\u50ac\u6b3e\u4fe1 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