A significant policy issue in personal insolvency concerns the debtor with little income and few assets who may be unable to afford bankruptcy in those jurisdictions which require payment to access the individual bankruptcy system. The challenge of addressing the situation of these debtors is one experienced both by long standing personal insolvency systems and newer system in emerging markets. This article introduces a special issue of the International Insolvency Review which considers the responses of several common law, civil law and mixed regimes to this policy topic. The article discusses the background to the English Debt Relief Order enacted in 2009 as a procedure for low‐income debtors, outlines salient issues raised by its implementation and discusses research themes related to the existence of the “No‐Income‐No Asset” debtor, including the structure and financing of the bankruptcy system, the contribution of NINA procedures to access to justice, the role of intermediaries in the bankruptcy system and the political economy of bankruptcy reform.

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新穷人的破产：比较观点

个人破产的一个重大政策问题涉及到收入少，资产少的债务人，在那些需要付款才能进入个人破产系统的司法管辖区中，他们可能无力承担破产责任。长期存在的个人破产制度和新兴市场的较新制度都面临着解决这些债务人处境的挑战。本文介绍了《国际破产审查》的特刊，其中考虑了一些普通法，大陆法和混合制度对该政策主题的回应。本文讨论了作为低收入债务人程序于2009年颁布的《英国债务减免令》的背景，概述了其实施带来的突出问题，并讨论了与“无收益无资产”债务人的存在相关的研究主题，