Quarterly personal insolvency statistics

AFSA publish official quarterly and annual personal insolvency statistics on bankruptcies, debt agreements and personal insolvency agreements for all states and territories.\r\n\r\nFrom the June quarter 2023, the publication also released Greater Capital Cities Statistical Area (GCCSA) and Statistical Area Level 3 (SA3) breakdown of the number of debtors with business and non-business related personal insolvencies on a quarterly basis, using the Australian Bureau of Statistics (ABS) Australian Statistical Geography Standard (ASGS).\r\n\r\n\r\nBankruptcy is a process where people who cannot pay their debts become bankrupt to receive the protection of the Bankruptcy Act 1966 and their estate is administered by a trustee. It allows for the fair distribution of property among creditors and the prosecution of dishonest debtors.\r\n\r\nA debt agreement is an arrangement between a person who cannot pay their debts and their creditors. It is a formal arrangement under Part IX of the Bankruptcy Act. A debt agreement results from creditors voting to accept a proposal from a debtor to settle their debts. To be eligible to propose a debt agreement, a debtor must be insolvent and meet threshold levels relating to unsecured debts and assets and after-tax income.\r\n\r\nPersonal insolvency agreement (PIA): under Part X of the Bankruptcy Act, a personal insolvency agreement results from creditors accepting a debtor’s proposal to settle his or her debts. Unlike debt agreements, personal insolvency agreements are not subject to income, asset or debt thresholds.\r\n\r\nPlease see our guide to learn more about the provisional personal insolvency statistics

AFSA发布面向全澳所有州和领地的官方季度及年度个人破产统计数据，涵盖破产案件、债务协议与个人破产协议相关统计内容。

自2023年第二季度起，该发布还依据澳大利亚统计局（Australian Bureau of Statistics, ABS）制定的澳大利亚统计地理标准（Australian Statistical Geography Standard, ASGS），按季度披露了涉及商业与非商业相关个人破产案件的债务人数量在大首府统计区（Greater Capital Cities Statistical Area, GCCSA）与三级统计区（Statistical Area Level 3, SA3）的细分数据。

破产是指无力偿债者通过宣告破产以获得《1966年破产法》（Bankruptcy Act 1966）保护的法定程序，其财产将由受托人进行管理。该程序可实现财产在债权人之间的公平分配，并可对不诚信债务人追究相应责任。

债务协议是无力偿债者与其债权人之间达成的正式安排，属于《1966年破产法》第九部分规定的法定程序。债务协议的生效需以债权人投票通过债务人提出的债务清偿方案为前提。债务人若要申请债务协议，须处于无力偿债状态，且需满足与无担保债务、资产及税后收入相关的门槛要求。

个人破产协议（Personal Insolvency Agreement, PIA）：依据《1966年破产法》第十部分，个人破产协议的生效需以债权人接受债务人提出的债务清偿方案为前提。与债务协议不同，个人破产协议不受收入、资产及债务门槛的限制。

请查阅我们的指南以了解临时个人破产统计数据的更多详情