消费过度负债的治理对策研究  

The Research on the Legal Mechanism of Tackling Consumer Over-indebtness

作　　者：王婷婷[1] 

机构地区：[1]西南政法大学经济法学院,重庆400060

出　　处：《河北法学》2013年第8期119-127,共9页Hebei Law Science

基　　金：2009年度国家社会科学基金西部项目<低收入人口享用基本金融服务之法律保障研究>(09XFX023);2011年度西南政法大学研究生科研创新重点项目<金融消费者投诉处理机制研究>(2011XZYJS005)

摘　　要：消费过度负债是各国在消费信用的广泛推行中普遍出现的现实难题,在我国,不断飙升的家庭债务隐含着深刻的过度负债危机,并业已成为现阶段我国消费金融发展的最大隐患。当前,用消费信贷法来规范不负责任的消费信贷行为,并通过消费破产制度来实现债务人的救济已成为域外先进国家有效防杜和治理消费过度负债的重要举措。为有效化解我国消费信用体系中存在的过度负债风险,应在宏观层面确立对金融消费者倾斜保护的理念、建构适当有责的信贷服务体系、建立消费债务人的市场退出机制,并在微观层面设立专门的消费信贷法典,架构宽严相济的消费债务清理法,做好配套制度的改革。Consumer over-indebtedness is a practical problem that happened all through the countries with the trend of using consumer credit.＂ In our country,the excess household debts implies deep over-indehtness crisis, which has become the largest hidden trouble in the progress of consumer financial development. In the process of tackling over-indebtness, to regulate the irresponsible behavior of consumer credit by the consumer credit law and realize the debtor＇s relief through the consumption of bankruptcy systems have been the major actions of the foreign advanced countries. As a consequence, to effectively control the potential risk of over-indebtness in China＇s consumer credit system, we must strength the inclined protection of the financial consumers, construct appropriate and responsible credit service systems as well as establish exit mechanism for the debtors in the macro-level , while in the micro-level we should set up a specialized consumer credit code, formulate the debt clearance law with severity and gentleness,meanwhile a complete set of systems should be reformed.

关 键 词：消费过度负债 房贷危机 适当性义务 消费破产 

分 类 号：F832.479[经济管理—金融学]