加拿大破產潮 9月份個人增22.5%，企業增37%

加拿大破產潮來了：9月份個人破產增22.5%，企業破產增37%

2022年11月10日  加國無憂  作者：談海

根據加拿大破產管理辦公室 (OSB) 的最新數據，在金融環境更加嚴峻的情況下，9 月份的破產和債務提案繼續增加。其中9月份個人破產總數（包括破產和提案）比去年同期增長22.5%，企業破產率飆升了37%。

 

OSB表示，9月份消費者破產總數環比增長3.1% ，與去年同期相比增長22.1%，這是過去13年來的最糟糕紀錄。

截至9月30日的過去12個月期間，個人破產總數比去年同期增加6.5%。企業破產率再次領先，年增長率為29.7%。

OSB表示，企業破產增加最多的是住宿、食品服務以及建築行業。

與此同時，消費者破產數同比增長5.9%，雖然破產數減少了12.4%，但消費者提案增加了14.3%。

與今年第二季度相比，第三季度增長了個人破產數增加2.3%。與去年同期相比，今年第三季度的企業破產率更是大幅上升了48.5%，這是有記錄以來35年來最大的百分比增幅。

加拿大破產和重組專業人員協會 (CAIRP) 副主席、持牌破產受托人André Bolduc 說，令人擔憂的是，越來越多的加拿大人在財務上達到了極限，隨著許多人拚命尋找解決債務問題的方法，他們可能會被不切實際的承諾所吸引，以求迅速解決債務問題或修複信用評分。不幸的是，這些承諾最終都可能是美麗的肥皂泡。

來源鏈接：

https://www.investmentexecutive.com/news/research-and-markets/insolvencies-surge-in-september/

https://dailyhive.com/vancouver/canadians-bankruptcy-rise-2022-third-quarter

Insolvencies surge in September

https://www.investmentexecutive.com/news/research-and-markets/insolvencies-surge-in-september/

Bankruptcy and debt restructuring activity on the rise

By: James Langton;  Nov 8, 2022

Bankruptcies and debt proposals continued to rise in September amid tougher financial conditions, according to the latest data from the Office of the Superintendent of Bankruptcy Canada (OSB).

The total number of insolvencies (including both bankruptcies and proposals) rose by 3.1% on a month-over-month basis in September, and the volume of insolvencies was up 22.5% from the same month last year, the agency reported.

Year over year, consumer insolvencies rose by 22.1%, and business insolvencies surged by 37.0%, the OSB said.

For the 12-month period ended Sept. 30, the total number of insolvencies was up by 6.5% compared with the same period last year.

Again, business insolvencies led the way, rising by 29.7% on an annual basis.

The largest increases in business insolvencies came in the accommodation & food services and construction sectors, the OSB said.

At the same time, consumer insolvencies were up by 5.9% year over year: bankruptcies decreased by 12.4%, but consumer proposals rose by 14.3%.

Personal bankruptcies rose 22.5% in third quarter of 2022 compared to same time last year

https://dailyhive.com/vancouver/canadians-bankruptcy-rise-2022-third-quarter?

Nikitha Martins  Nov 9 2022, 6:58 pm

There is a concern that more Canadians are reaching their financial breaking point as bankruptcies across the country have increased significantly.

 

The latest bankruptcy and insolvency data released by the Office of the Superintendent of Bankruptcy Canada (OSB) found consumer insolvency filings in Canada rose 22.5% in this year’s third quarter compared to the same quarter last year.

This is the highest increase in 13 years.

The third quarter rose 2.3% compared to this year’s second quarter.

Filings are still 25.5% lower than pre-pandemic levels in 2019.

Meanwhile, business insolvencies are up 48.5% during this year's third quarter compared to last year — which is the largest percentage increase in 35 years of records.

“The concern is that more Canadians are reaching their breaking point financially, and as many desperately search for solutions to their debt problems, they may be lured by unrealistic promises to quickly solve their debt problems or fix their credit score,” says André Bolduc, Licensed Insolvency Trustee and Vice Chair of Canadian Association of Insolvency and Restructuring Professionals (CAIRP).

“Unfortunately, those promises can end up being too good to be true.”