探討消費者債務清理條例草案－以司法院版為例

The Bill of Consumer's Debt Pay-off Regulation for Judicial Yuan

應立志(Li-Chih Ying) ； 黃子玲(Tz-Ling Huang)

《致遠管理論叢》 3卷1期 (2008/09) Pp. 38-61

https://doi.org/10.6596/DJM.2008.3(1).3

摘要

現今社會因信用卡、現金卡消費過度，衍生出許多個人債務問題，為解決此問題，司法院於2006年4月11日完成「消費者債務清理條例草案」，債務人可以採「更生」或「清算」方式解決卡債，截至2006年9月底止，草案始正式送立法院審查。有鑒於美國、香港兩國，為解決部份民眾的債務問題，實施寬鬆的破產制度，導致破產人數暴增的經驗，為了避免台灣出現相似狀況所引發之道德風險，造成民眾對此法有負面的觀感且期望在修法時亦應兼顧債務人與債權人的權益及避免正常繳款民眾權益的損失，本文乃希望藉由探討一般民眾、銀行行員與債務人對此草案部份內容的看法，在三者兼顧、避免偏頗的情況下提供相關單位參考。研究結果顯示：(1)針對「破產法」與「消費者債務清理條例」債務人擁有較正確的認知，銀行行員次之，再者為一般民眾；(2)一般民眾、銀行行員與債務人針對消費者債務清理條例草案大部份之條文各有其立場及看法；(3)協商機制的成效仍有相當大的努力空間。

關鍵字

消費者債務清理條例草案 ； 破產法

並列摘要

In today's society, the overuse of credit and cash advance cards created a lot of personal ”debt” problems. In order to solve these problems, the Judicial Yuan completed a draft of ”the Bill of Consumer's Debt Pay-off Regulation” on April 11th of 2006. Debtors can adopt either ”Sanierung” (re-birth) or ”Liquidation”(pay-off arrangement) method to solve their debt problems. And the Bill was not officially sent to Legislative Yuan to be reviewed until September 2006.Owing to implementation of loose bankrupt law of America and Hong Kong, the number of bankrupts increased rapidly. To avoid the moral hazard of above situation, causing the bad impressions on the public, we expect that the Bill can consider the rights and interests of both debtors and creditors by means of revising. The purpose of this study is to understand the opinions of bank employees, debtors and the public about parts of the contents of this Bill. The findings are as follows: (1)Debtors have the most accurate understanding of this Bill and Bankruptcy Law, then the employees of bank and then the public. (2)The public, bank employees and debtors have different opinions for this Bill. (3)The effects of mechanism of negotiation are not so good that we need to make some efforts.

並列關鍵字

The Bill of Consumer's Debt Pay-off Regulation ； Bankruptcy Law