公司清算与个人破产

澳洲公司清算与个人破产有什么区别?

资料依据AFSA、ASIC与ARITA联合指南 · 2026年9月核对

不确定是公司问题还是个人问题?注册清算师可用普通话、粤语为您免费、保密评估。如需普通话沟通,请联系 Alva Zeng 或 Mia Li。

简要回答:公司清算处理的是公司的债务,由注册清算人负责;个人破产处理的是您个人的债务,由破产受托人负责,通常持续3年零1天。公司清算不会自动令董事个人破产,但个人担保、董事罚款(DPN)等个人责任不会因公司清算而消失。

公司清算与个人破产对照

项目 公司清算 个人破产
适用对象 公司(Pty Ltd) 个人,包括以个人名义或合伙经营生意的人
如何开始 股东决议(自愿清算),或法院应债权人申请下令(法院清算) 本人申请(自愿破产),或法院应债权人申请下令
负责人 注册清算人 破产受托人
处理的债务 公司的债务 您个人的大部分债务
期限 视公司情况而定 通常3年零1天
公开记录 在ASIC发布公告 姓名会永久记录在公开的全国个人破产索引(NPII)上

什么时候要为公司的债务负责?

通过公司经营生意时,公司拥有业务资产并承担业务债务,董事和股东一般无需为公司的经营债务负责。但以下情况,您可能要个人负责:

  • 个人担保:银行或供应商常要求董事为公司的债务提供个人担保。
  • 董事罚款:公司未足额缴付PAYG预扣税、GST或养老金保障费,或未按时申报,董事可能要承担等额罚款。详见我们的DPN指南。
  • 资不抵债交易:公司资不抵债后继续经营并产生债务,公司清算后董事可能要为这些债务负责,不论是否提供了个人担保。

如您以个人名义或合伙方式经营生意,而不是通过公司,您要为生意的债务承担个人责任。

公司清算后,董事个人会怎样?

清算人接管公司,董事不再控制公司,但必须协助清算人,提供公司的业务、财产、事务和财务资料。清算人会调查可追回的资产、董事是否有资不抵债交易或违反董事职责,以及可追回的资产转移。

如董事没有破产,公司清算只处理公司对债权人的责任,不会处理您的个人债务或担保,这些仍需由您偿还。您欠公司的款项(例如公司借给您的贷款)也仍需偿还。

如果董事个人破产,公司会怎样?

个人破产后,您不能继续担任公司董事。您持有的公司股份会转归破产受托人,由受托人决定下一步,视情况可将公司清盘或出售股份以偿还您的债权人。

个人破产的主要影响

  • 破产通常持续3年零1天
  • 姓名会永久记录在公开的全国个人破产索引(NPII)上
  • 出国须先获破产受托人批准
  • 破产期间不能担任公司董事
  • 可能影响申请贷款和某些职业

个人破产以外的选择

个人可考虑的其他正式方案包括:临时债务保护(暂停债权人执行判决21天)、债务协议和个人资不抵债协议(PIA)。是否合适,视您的收入、资产和债务而定。

应该找谁咨询?

公司的财务问题,可咨询注册清算人;个人的财务状况,可咨询注册破产受托人;也可咨询您信任的会计师或律师。请警惕承诺“让债务消失”的非注册顾问。Greengate Advisory的注册清算人可就公司清算、重组及董事个人责任(例如个人担保和DPN)为您提供建议;涉及个人破产的程序,须由注册破产受托人处理。

常见问题

公司清算会让董事个人破产吗?

不会自动导致个人破产。只有当董事无力偿还个人担保、董事罚款等个人债务,并由本人申请或由债权人向法院申请时,才会个人破产。

澳洲个人破产要多久?

通常为3年零1天。如不履行破产义务,期限可能延长。

破产后还能当公司董事吗?

破产期间不能担任公司董事。破产解除后,一般可以再次担任董事。

公司清算后,个人担保还有效吗?

有效。公司清算不会解除您的个人担保,债权人仍可向您追讨。

首次咨询收费吗?

不收费。首次咨询免费且保密。

免费保密咨询:用中文了解您的选择

资料来源:澳大利亚金融安全局(AFSA)、澳大利亚证券和投资委员会(ASIC)与ARITA联合发布的个人破产与公司清算指南(2026年9月核对)。本页为一般性资讯,并非针对您个人情况的建议。

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Luke is the just most helpful and honest accountant I have come across. I would give him 10 stars of I could!
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Luke was absolutely awesome from start to finish. I put off taking the steps to becoming bankrupt. Its a very daunting experience. Luke was understanding and very compassionate. Explained all the pros and cons. I was drowning. A massive weight off my shoulders If you are considering have a chat. You might be surprised Totally recommend Greengate
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Steven Fu
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When I needed professional help with my financial challenges, the Greengate Team was the team I truly appreciated. Their experience, customised solutions, and friendly communication not only helped me practically, but also gave me great peace of mind.
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Tarun B
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We used Greengate Advisory for a Small Business Restructuring Plan, and John, Annie, and Quinn were fantastic throughout a genuinely stressful process. John was always straightforward with his advice and quick to respond when we needed direction on things like the ATO, superannuation obligations, and forecasts. Annie and Quinn were great throughout with coordinating the documentation and keeping things moving. The process involved a lot of moving parts and they managed it professionally from start to finish. Would absolutely recommend Greengate to any business owner navigating a restructure.
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Josh Read
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Luke at Greengate has been an absolute life saver to say the least. He has been helpful, understanding, respectful, and supportive throughout my difficult journey through a process of bankruptcy. He has given me time to process and ask questions, and has been as transparent as possible. Luke made it very clear, early on, that the company would make no gain from me, due to the circumstances, but he was happy to help me regardless. He has been beyond helpful. I cannot suggest the service of Greengate higher. The amount of questions I had to pick his brain for, and he helped me in the good nature of himself and the company. Thanks Luke. You’re a legend. I appreciate you helping me through this time. Thanks Greengate Advisory
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armindersingh1
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Very experienced people and good advice.All ways suggest the right path .we recommend to everyone to take their financial advice before doing any financial decision.
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Adam
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Their approach was practical, and straightforward, translating complex challenges into clear, actionable strategies while maintaining transparent, steady communication and support throughout the process of restructuring our business. They worked closely with us to implement meaningful changes—from cost optimization to operational improvements—ensuring real, measurable results. The end outcome is a stronger, more resilient business with improved financial stability and a clear path forward. Thank you to John Chand and the team.
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Aquaristic Aquarium
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We went through significant financial difficulties following COVID, especially during our shop renovation due to miscalculations and unexpected rising costs. This left us facing a substantial tax debt. John Chan at Greengate Advisory was incredibly helpful and professional throughout the entire process. His guidance and support gave us clarity and confidence during a very stressful time. Thanks to Greengate Advisory, we were able to navigate our situation and move forward with a much more stable outlook. I highly recommend their services to anyone facing similar challenges. Thank you John and Samantha for helping us get through this difficult time!
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Awesome customer service! The genuine willingness to help those in need is absolutely beyond me! The advice given to me actually helped me get out of a big messy situation. so thank you so Luke! I appreciate it so much! 🙏
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Sher Khan
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The Team at Greengate Advisory were very understanding, helpful and were prepared to listen to my needs and find a speedy prompt and efficient solution. John was very approachable and was always a phone call away. I would recommend Greengate Advisory to anyone who needs advice. Call John and his Team first before committing to anyone else. This is beyond Five Star Service with Great results where you the client matters.

免费领取:个人破产与债务协议中文指南

18页中文指南,帮助您在作出决定之前先了解:

  • 破产、债务协议(第IX部分)与个人破产协议(第X部分)的并列比较
  • 收到法定索债书后21天内的选择
  • 破产期间能保留什么、会失去什么,以及哪些债务可以免除
  • 公司债务为何会变成董事的个人债务

Greengate作为注册清算人处理公司方面的事务;个人破产和个人破产协议由注册受托人管理,我们可以为您转介。

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