銀行資本家的掠食與信用卡卡債的關聯性研究

A Study of the Relationships between Bank Capitalists' Hunting and Credit Debts

謝禎祥(Chen-Hsiang Hsieh)

指導教授 ： 張阜民

朝陽科技大學/管理學院/財務金融系/碩士(2014年)

摘要

摘要
本研究結果支持銀行在銀行資本家擬訂的賺錢策略中，執行掠奪窮人的行為。即銀行為了賺取高額利息，收取額外手續費，完全以販賣債務角色自居，終於釀成卡債大風暴。本研究所蒐集之法院裁定，從債務人負債的總金額，積欠銀行的家數，相對於極為微薄的收入，證實銀行的徵信部門及核貸部門，僅是執行資本家的賺錢策略的工具而已。易言之，這些單位，只有高額利潤，沒有危機意識。

本研究推論證實，持卡者因為各種因素，從以卡養卡，變成以債養債，落入債務的惡行循環，終於墜入債務深淵。縱使往後的十年二十年，都將無法翻身。雖然後來消費者債務清償條例介入可得更生，但人生最精華的歲月陷在卡債中，已無法重來。

政府為亡羊補牢，先有95債協方案，後有消費者債務清償條例，但畢竟社會的創傷已造成。這是善後的工作，其事前的預防，DBR22倍的提出，確實遏止了卡債的蔓延。

關鍵字：卡債、DBR22倍、95債協方案、消費者債務清償條例

關鍵字

95債協方案 ； DBR22倍 ； 卡債 ； 消費這債務清償條例

並列摘要

Abstract

The results of this study support the strategy, that the bankers execute the behavior of plunder of the poor in bank capitalists’ money making strategies. That’s to say in or- der to earn higher interests and extra fees, the bankers are playing entirely the role of selling debts, finally lead to big storm of credit card debt. The court adjudges colle- cted by this study, basis on the total amount of debtors debt, the numbers of banks, a- gainst the people with meager income, confirming the banker’s credit department is only the capitalists’ money making tool. In other words, these organizations only look forward to high profit, but no sense of crisis.

This study examed and confirmed, the card holders due to various factors, from sust- aining one card into debt on debt, falling into a vicious cycle of debt, and finally plu- nged into the abyss of debt. The debtors spend decade or two still difficult to pay back the debt. Though the consumer debt settlements regulations offer some help to the debtors, but the best parts of life trapped in credit card debt, those years are not able to come back.

In order to remedy the situation, the first step government offered “95 debt Associati- on’s Proposal” later “The consumer debt settlement regulations” is appeared, anyhow, the trauma to the society has caused, these are only the aftermath, for prevending “DBR22times” is actually curbed the spread of credit card debt.

Keywords: card debt, DBR22 times, 95 debt Association's proposal, consumer debt settlement regulations

並列關鍵字

95debt Association's proposal ； DBR22times ； Card debt ； Consumer debt settlement regulations

參考文獻

参考文獻

一、學位論文

1. 陳怡婷(2008)。信用卡逾放風險決定因素之研究。未出版碩士論文，國立東華大學國際企業學系碩士在職專班，花蓮。

2. 趙菊香(2006)。台灣信用卡、現金卡(雙卡)信貸危機(卡債)之探討。未出版碩士論文，國立政治大學經營管理碩士學程金融組碩士論文，台北。

3. 李美笑(2002)。信用卡持卡人信用風險之研究。未出版碩士論文，逢甲大學保險學系研究所碩士論文，台中。