欧美信用消费视域下的消费者破产理论综述  

Theoretical Review of Consumer Bankruptcy Theory in Europe and the United States from the Perspective of Credit Consumption

作　　者：李峣[1] 

机构地区：[1]北京政法职业学院应用法律系

出　　处：《北京政法职业学院学报》2018年第2期1-5,共5页Journal of Beijing College of Politics and Law

摘　　要：信贷消费已经成为一种国际化的常态消费行为,虽然使银行与消费者发生连接的只是小小的信用卡,却凝聚了资本主义精神,代表着市场经济纪元中的一个新的里程碑。不过,其背后的代价是无法估量的社会成本,即过度负债对社会财富的侵蚀与消解。对发达国家的消费者破产制度的认识,有助于我国未来消费者破产制度的构建。Credit Consumption has become an international normal consuming behavior. Although it is only a small credit card that connects the consumers and banks, it unites the spirit of capitalism, representing a new milestone in the era of market economy. However, its cost is incalculable social costs, namely the erosion and digestion of social wealth by over-indebtedness. The understanding of the consumer bankruptcy systems in developed countries will contribute to our country＇s establishment of consumer bankruptcy system in the future.

关 键 词：信用消费 过度负债 消费者破产 

分 类 号：D920.0[政治法律—法学]