The regulation of individual bankruptcy access path is the premiseand basis of the effective operation of personal bankruptcy system, standardizesthe standard of personal bankruptcy application, and provides an effectiveadjustment mechanism for playing the role of personal bankruptcy system insolving social contradictions. About personal bankruptcy legislation mode,should first to distinguish the debtor’s bankruptcy ability, determine thedebtor’s bankruptcy qualification, with foreign personal bankruptcy legislationhistory for reference, based on personal bankruptcy practice, adopt generalindividualism bankruptcy legislation mode, maximum cover all the debtor,equal protection of the creditor, the debtor, help all kinds of debtor out of theplight of liquidation, further improve the market exit mechanism. Then, on thebasis of the legislative mode, the bankruptcy reasons of creditors and debtorsare further distinguished, and combined with the “review and acceptance” modeof cases, the “honest and unfortunate” debtors are included in the protectionscope of the personal bankruptcy legal system, so as to maximize the value ofthe personal bankruptcy legal system.