債務協商機制之探討

Research on the System of Negotiated Debt

楊鈞淳(Chun-Chun Yang)

指導教授 ： 歐仁和

亞洲大學/管理學院/國際企業學系碩士班/碩士(2008年)

摘要

2001~2005年，台灣因為銀行浮濫發卡以及民眾消費習慣改變，導致卡債爆發，而卡債風波則促使政府成立了債務協商機制。本研究使用次級資料分析法探討債務協商機制對於台灣卡債環境的影響，並從中提出解決卡債問題的建議。
研究發現，債務協商機制對於台灣的卡債環境確實有一定的助益，也幫助了許多債務人順利的跟銀行作協商以及還款事項，但是卡債問題依然存在。本研究提出以下幾種方法供參考：強制銀行減少雙卡的發行量、成立風險管理委員會、限制民眾擁有的信用卡張數、提供銀行的紓困計畫，以穩定金融體系等方法，以期協商機制可以更趨完善，卡債問題能早日解決。

關鍵字

債務協商機制 ； 卡債 ； 次級資料分析法

並列摘要

In Taiwan ,during2001-2005, bank was broadening in credit card and cash card market. People consumption habits were changing by medium, it caused crisis of credit debt. It also made the system of negotiated debt to be established by Taiwan government. This research use secondary data analysis to probe into the system of negotiated debt effects on environment of credit debt, and propose solving the suggestion of the problem in credit debt.
The result reveal the system of negotiated debt improve environment of credit debt in Taiwan, it is also to help many people to discuss credit debt with banks. But the problem of credit debt is still existed. The research bring several way to reference: Let bank reduce the issued of credit card . To establish the commission of risk management. To limit person having number of credit card . To supply money to bank for holding monetary system.. To except that the system of negotiated debt can become perfect, and the problem of credit debt can be solving soon.

並列關鍵字

The system of negotiated debt ； Credit debt ； Secondary data analysis

參考文獻

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A.中文

a.期刊文章