电商企业破产情境下消费者债权申报困境与完善研究

Research on the Dilemma and Improvement of Consumer Creditor’s Rights Declaration under the Situation of Bankruptcy of E-Commerce Enterprises

摘要: 近年来，随着电商行业的蓬勃发展，电商企业破产现象也时有发生，然而，消费者在电商企业破产后往往面临债权保护不足的困境。为提升消费者债权申报的效率和成功率，保障其合法权益，本文深入剖析了电商平台破产后的复杂情况、消费者债权的类型及申报要点，揭示了消费者在债权申报过程中所面临的困境。基于此，本文提出了通过增强信息公开、简化申报流程、明确债权金额认定标准等具体措施，旨在全面完善消费者债权制度，进而增强电商平台的可信度，促进电商行业的健康发展。

Abstract: In recent years, with the vigorous development of the e-commerce industry, the phenomenon of bankruptcy of e-commerce enterprises also occurs from time to time. However, consumers frequently confront the challenge of inadequate creditor’s rights protection following the bankruptcy of e-commerce enterprises. In order to improve the efficiency and success rate of consumers’ claims for creditor’s rights and protect their legitimate rights and interests, this article deeply analyzes the complex situation after the bankruptcy of e-commerce platforms, the types of consumer creditor’s rights and the key points of declaration, and reveals the difficulties consumers face in the process of creditor’s rights declaration. Based on this, this paper puts forward specific measures such as strengthening information disclosure, simplifying the declaration process, and clarifying the recognition standards for the amount of creditor’s rights. The aim is to comprehensively improve the consumer creditor’s rights system, thereby enhancing the credibility of e-commerce platforms and promoting the healthy development of the e-commerce industry.