The lack of consumer bankrupt system in China has already caused certain negative effect to the economic development.

Expansion of consumer credit economy has resulted in vulnerability to be increased in case of employment,medical care,marriage and other issues,resulting in rising consumer debt,therefore,consumer bankruptcy system no doubt is the most critical and final line of defense to be built.

The paper puts forward a concept of consumer property rights,inquiring into the PRs structure of merchandise information,studying the allocation way of key information under the globalization of the industrial division,analyzing the governance mechanism for protecting the consumer property rights,putting forward the policy to ameliorate government regulation and improve the institutiona.