Hence, proprietors of large and medium-sized businesses can find no refuge here. Apart from some "unrecoverable debts" owed by people who are unemployed or sick, those who have attempted unsuccessfully to negotiate with banks can apply to the courts for "rehabilitation" or "debt liquidation."
其次，除了失業、生病等「不可歸責」因素外，一般須先與銀行協商，協商不成，才能向法院聲請「更生」或「清算」。