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信用卡卡債之成因與消費者債務清理條例相關問題之研究 = The Stud...

國立高雄大學法律學系碩士班

信用卡卡債之成因與消費者債務清理條例相關問題之研究 = The Study on the Cause of Credit Card Debt and the Questions Related to the Consumer Insolvency Act

Record Type:	Language materials, printed : monographic
Paralel Title:	The Study on the Cause of Credit Card Debt and the Questions Related to the Consumer Insolvency Act
Author:	王炳人,
Secondary Intellectual Responsibility:	國立高雄大學
Place of Publication:	[高雄市]
Published:	撰者;
Year of Publication:	民100
Description:	157面圖，表格 : 30公分;
Subject:	消費者債務清理條例
Subject:	the Consumer Insolvency Act
Online resource:	http://handle.ncl.edu.tw/11296/ndltd/62041462918382421088
Summary:	由於國內在西元2006年發生了「卡債風暴」，信用卡、現金卡呆帳暴增，造成不法集團非法討債而引發卡債族逃債、燒炭自殺等社會問題，再加上從2008年年底開始，全球又再次遭逢一波嚴重的金融風暴，導致原本就已經被卡債壓得喘不過氣來的卡債族更加雪上加霜。再加上一般發卡機構均採行定型化契約與持卡人簽訂信用卡消費借貸契約，使消費者處於無法磋商之不對等結果，以致於發卡機構得以向持卡人收取高額之循環利息，以及一定金額之違約金及各種名目之手續費，使消費者信用過度擴張，陷入信用卡債務的循環困境中，最後僅得延期還款，招致信用以及財產上的破產，而造成嚴重的社會問題，政府機關面對此一嚴重的卡債風暴，不得不付出極大之社會成本，設置債務協商管道、制定消費者債務清理條例等措施，以解決卡債問題。有鑑於此，本論文遂擬針對信用卡卡債之成因以及債務協商機制之性質及其功效來進行分析探討，同時也將介紹各國債務清理制度之立法例，並論述我國消費者債務清理條例之構造即前置協商程序、更生程序、清算程序，另外將會分析討論目前法院實際運作消費者債務清理條例所發生之核准債務人聲請更生或清算之比例偏低的嚴重問題，以期能提供一些解決卡債問題之方法，並針對上述目前消費者債務清理條例在實務上運作上所發生之嚴重問題提出一些建議。 This thesis aims to study on the cause of credit card debts and explore the questions related to the Consumer Insolvency Act. Due to the occurrence of the “credit card debt storm” in 2006, the irrecoverable loans, credit cards, or cash cards have explosively increased, resulting in illegal duns, which cause card debtors to flee the creditors, commit suicide, and bring about many social problems. Unfortunately, in 2008, the global financial meltdown caused the bankruptcy of many card debtors to make them suffer disaster one after another in succession. Besides, most credit card companies sign “stereotypia contracts” with credit cardholders. However, stereotypia contracts are very unfair and unfavorable for cardholders. Based on the stereotypia contracts, the credit card companies can obtain high revolving credit rate of credit card, compensation for breach contract, and commission from credit cardholders. Credit cardholders easily get into the trouble of debts and bankruptcy. Therefore, the research motivation of this thesis is to find out the cause of credit card debts to help prevent and reduce the social problems caused by the credit card debt. This thesis attempts to explore the cause of credit card debts; and analyze the apparatus and function of debt consultation. Besides, this thesis not only introduces the liability liquidation law articles of various countries, but also discusses the structure of the Consumer Insolvency Act in Taiwan, including the pre-stage consultation procedure, revival procedure, and liquidation procedure. Furthermore, it analyzes and discusses the current practices of the Consumer Insolvency Act, such as the exemption right, recall right, and offset right in Taiwan in the hope of providing some suggestions and solutions to card debts and the questions related to the Consumer Insolvency Act .

信用卡卡債之成因與消費者債務清理條例相關問題之研究 = The Study on the Cause of Credit Card Debt and the Questions Related to the Consumer Insolvency Act
王, 炳人

信用卡卡債之成因與消費者債務清理條例相關問題之研究 = The Study on the Cause of Credit Card Debt and the Questions Related to the Consumer Insolvency Act / 王炳人撰 - [高雄市] : 撰者, 民100. - 157面 ; 圖，表格 ; 30公分.
參考書目：面154-157.
消費者債務清理條例the Consumer Insolvency Act

信用卡卡債之成因與消費者債務清理條例相關問題之研究 = The Study on the Cause of Credit Card Debt and the Questions Related to the Consumer Insolvency Act
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