Personal insolvency administrations

AFSA publish provisional quarterly and annual personal insolvency statistics on bankruptcies, debt agreements and personal insolvency agreements for all states and territories. \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 (https://www.afsa.gov.au/resources/statistics/provisional-bankruptcy-and-personal-insolvency-statistics/guide-to-provisional-personal-insolvency-activity-statistics).\r\n

澳大利亚金融安全管理局（AFSA）按季度及年度发布临时个人破产统计数据，统计范围覆盖全澳所有州和领地的破产案件、债务协议及个人破产协议相关情况。

破产是指无力偿还债务的人通过法定程序被宣告破产，以获得《1966年破产法》的保护，其破产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，并可追究不诚信债务人的法律责任。

债务协议是无力偿债者与其债权人之间达成的正式安排，依据《破产法》第九部分制定。债务协议的生效需经债权人投票表决通过债务人提出的债务清偿方案。债务人若要提出债务协议申请，必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条件。

个人破产协议（Personal Insolvency Agreement，PIA）：依据《破产法》第十部分，个人破产协议是指债权人接受债务人提出的债务清偿方案后达成的协议。与债务协议不同，个人破产协议不受收入、资产或债务门槛条件的限制。

请参阅我们的指南以了解更多临时个人破产统计数据的相关信息（https://www.afsa.gov.au/resources/statistics/provisional-bankruptcy-and-personal-insolvency-statistics/guide-to-provisional-personal-insolvency-activity-statistics）。