cessio bonorum

简明释义

以货抵债

英英释义

例句

1.In ancient Rome, a debtor could file for cessio bonorum, which allowed them to surrender their property to creditors.

在古罗马，债务人可以申请cessio bonorum，这允许他们将财产交给债权人。

2.The concept of cessio bonorum is still relevant in modern bankruptcy laws.

在现代破产法中，cessio bonorum的概念仍然相关。

3.The legal process of cessio bonorum requires the debtor to list all assets and liabilities.

cessio bonorum的法律程序要求债务人列出所有资产和负债。

4.A successful cessio bonorum can lead to a fresh start for the debtor.

成功的cessio bonorum可以为债务人带来新的开始。

5.During the financial crisis, many individuals opted for cessio bonorum to avoid imprisonment for debt.

在金融危机期间，许多人选择了cessio bonorum以避免因债务入狱。

作文

The concept of cessio bonorum, derived from Latin, refers to a legal process where a debtor voluntarily surrenders their assets to creditors in order to avoid bankruptcy proceedings. This term holds significant importance in the realm of insolvency law and reflects the principles of fairness and responsibility in financial dealings. Understanding cessio bonorum can provide valuable insights into how individuals and businesses manage their debts and obligations, particularly in times of financial distress.Historically, cessio bonorum was utilized in Roman law as a means for debtors to protect themselves from the harsh consequences of insolvency. By surrendering their property, debtors could negotiate more favorable terms with their creditors, often leading to a settlement that allowed them to retain some measure of control over their financial future. This practice not only served to alleviate the burden of overwhelming debt but also fostered a sense of accountability among borrowers.In modern financial systems, the principles underlying cessio bonorum continue to resonate. Many jurisdictions have adopted similar mechanisms that allow for the voluntary surrender of assets as a way to settle debts. For instance, in bankruptcy proceedings, a debtor may choose to liquidate certain assets to pay off creditors in a structured manner, thereby minimizing the chaos that often accompanies financial failure.The implications of cessio bonorum extend beyond individual cases of insolvency; they touch upon broader economic themes such as consumer protection, credit regulation, and ethical lending practices. When debtors are afforded the opportunity to relinquish their assets voluntarily, it creates a more humane approach to debt resolution. This is particularly important in a world where economic downturns can affect anyone, regardless of their financial acumen or intentions.Moreover, understanding cessio bonorum encourages responsible borrowing practices. When individuals are aware of the potential consequences of excessive debt, they may be more inclined to make informed financial decisions. This awareness can lead to a more stable economy, as borrowers engage in prudent borrowing and lenders adopt more responsible lending practices.In conclusion, the concept of cessio bonorum serves as a crucial element in the landscape of debt management and insolvency law. It embodies the principle that financial difficulties can be addressed through cooperation and mutual understanding between debtors and creditors. By embracing the values inherent in cessio bonorum, society can foster a more equitable financial environment where individuals are empowered to take charge of their financial destinies, even in challenging circumstances. Ultimately, this not only benefits the individuals involved but also contributes to the overall health of the economy by promoting responsible financial behavior and reducing the stigma associated with insolvency.

“cessio bonorum”这个概念源自拉丁语，指的是一种法律程序，在这种情况下，债务人自愿将其资产交给债权人，以避免破产程序。这个术语在破产法领域具有重要意义，反映了金融交易中的公平和责任原则。理解cessio bonorum可以为我们提供有关个人和企业如何管理其债务和义务的宝贵见解，特别是在财务困境时期。历史上，cessio bonorum在罗马法中被用作债务人保护自己免受破产严厉后果的手段。通过交出财产，债务人可以与债权人协商更有利的条款，通常导致达成允许他们保持某种程度的财务控制的和解。这种做法不仅减轻了压倒性债务的负担，还在借款人中培养了一种责任感。在现代金融体系中，cessio bonorum所蕴含的原则仍然具有重要意义。许多司法管辖区采用了类似的机制，允许自愿交出资产作为偿还债务的一种方式。例如，在破产程序中，债务人可能选择清算某些资产以有序地偿还债权人，从而最大限度地减少财务失败所带来的混乱。cessio bonorum的影响超出了个别破产案件，它涉及更广泛的经济主题，如消费者保护、信贷监管和道德借贷实践。当债务人有机会自愿放弃其资产时，这就创造了一种更人性化的债务解决方法。这在经济衰退可能影响任何人的世界中尤为重要，无论他们的财务智慧或意图如何。此外，理解cessio bonorum鼓励负责任的借贷实践。当个人意识到过度债务的潜在后果时，他们可能会更倾向于做出明智的财务决策。这种意识可以导致更稳定的经济，因为借款人参与谨慎借贷，贷方采取更负责任的借贷实践。总之，cessio bonorum的概念是债务管理和破产法领域的重要组成部分。它体现了这样一个原则：财务困难可以通过债务人和债权人之间的合作与相互理解来解决。通过接受cessio bonorum所固有的价值观，社会可以促进一种更加公平的金融环境，使个人能够在挑战面前掌控自己的财务命运。最终，这不仅有利于相关个人，也通过促进负责任的财务行为和减少与破产相关的污名，促进整体经济的健康。