破产数量增加11.9%。

破产数量增加11.9%。
Bankruptcies increase 11.9 percent

原始链接: https://www.uscourts.gov/data-news/judiciary-news/2026/04/23/bankruptcies-increase-119-percent

美国破产申请在截至2026年3月31日的12个月内增加11.9%，总计591,850起——比前一年增加的529,080起显著增加。商业破产（增加11.4%至25,960起）和非商业破产（增加11.9%至565,890起）都促成了这一增长。尽管这标志着在十年下降趋势之后的持续上升，破产申请在2022年6月达到380,634起的低点，但目前的水平仍然远低于2010年近160万的峰值。第七章破产仍然是最常见的，最新期间有369,702起申请，其次是第十三章破产，有11,700起。详细统计数据，包括按破产类型和县的细分，可从美国法院行政办公室获得。

## 破产率上升，引发对原因的争论最近的一份报告（uscourts.gov）显示，美国破产率上升了11.9%，引发了Hacker News上对潜在原因的讨论。一些人认为通货膨胀是关键因素，但一个反复出现的主题集中在体育博彩的兴起上，一项研究表明，合法博彩与破产率增加之间存在相关性（破产可能性增加10%）。许多评论员认为，更广泛的经济焦虑和缺乏机会的认知，正在驱使人们通过赌博来绝望地改善他们的财务状况。另一些人强调破产本身的局限性，指出它无法免除学生贷款或赡养费等债务，这不成比例地影响了中产阶级和下层阶级。对话还涉及系统性问题，包括财富不平等和政府政策的作用，一些人对当前政府下情况的改善表示悲观。几位用户指出，除了个人申请外，*商业*破产也大幅增加，并指出了疫情期间的刺激措施推迟了财务困境的影响。

Bankruptcy filings increased 11.9 percent during the 12-month period ending March 31, 2026.

According to statistics released by the Administrative Office of the U.S. Courts, total filings rose to 591,850 cases, compared with 529,080 cases reported during the year ending March 31, 2025.

Business filings increased 11.4 percent, from 23,309 in March 2025 to 25,960 in the newest report. Non-business filings rose 11.9 percent, from 505,771 in March 2025 to 565,890 in March 2026.

Bankruptcy totals for the previous 12 months are reported four times annually.

For more than a decade, total filings fell steadily, from a high of nearly 1.6 million in September 2010 to a low of 380,634 in June 2022. Total filings have increased each quarter since then, but they remain far lower than historical highs.

**Business and Non-Business Filings, Years Ending March 31, 2022-2026**
Year	Business	Non-Business	Total
2026	25,960	565,890	591,850
2025	23,309	505,771	529,080
2024	20,316	447,458	467,774
2023	14,467	388,806	403,273
2022	13,160	382,213	395,373

**Total Bankruptcy Filings By Chapter, Years Ending March 31, 2022-2026**
Year	Chapter
	7	11	12	13
2026	369,702	9,941	312	211,700
2025	320,571	8,844	259	199,130
2024	271,825	8,036	155	187,539
2023	231,200	5,371	148	166,449
2022	265,071	4,333	228	125,655

Additional statistics released today include:

Business and non-business bankruptcy filings for the 12-month period ending March 31, 2026 (Table F-2, 12-Month),
A comparison of 12-month data ending March 2025 and March 2026 (Table F),
Filings for the most recent three months, (Table F-2, 3 Month); and filings by month (Table F-2, January, February, March),
Bankruptcy filings by county (Table F-5A).

For more on bankruptcy and its chapters, view the following resources:

破产数量增加11.9%。 Bankruptcies increase 11.9 percent

破产数量增加11.9%。
Bankruptcies increase 11.9 percent