个人债务催收治理的逻辑与路径——兼论社会信用立法的规则体系  

On the Logic and Method of Personal Debt Collection Management——With a Study on the Rule System of Social Credit Legislation

作　　者：王伟[1] 欧阳捷 WANG Wei;OUYANG Jie(Department of Politics and Law,Party School of the CPC Central Committee(Chinese Academy of Governance),Beijing 100091,China)

机构地区：[1]中共中央党校(国家行政学院)政治和法律教研部,北京100091

出　　处：《南通大学学报（社会科学版）》2023年第6期86-98,共13页Journal of Nantong University:Social Sciences Edition

基　　金：国家社会科学基金重大专项课题“社会主义核心价值观视角下的信用立法研究”(19VHJ001)。

摘　　要：当前,个人债务催收过程中不良催收手段的使用已经成为制约社会信用建设的突出问题。同时,伴随信用经济的发展,第三方债务催收业务已实际成为金融借贷市场的重要组成部分。为了预防和化解不良催收引发的社会问题,实现个人债务催收过程中多元利益的平衡,需要结合个人债务催收治理的历史逻辑和国际经验,以回应现实为导向检视、反思和促进现行立法的功能运转。基于此,从融贯论的视角出发,应当将第三方债务催收行业治理纳入社会信用顶层立法,并从监管主体、市场准入、执业条件、行为规范等方面制定专门的个人债务催收行业监管制度。此外,以促进个人债务高效处理、增进社会信任为基本价值导向,从民事诉讼和执行机制、个人破产法等多重维度完善个人债务处理的规则体系,以分解个人债务催收的治理负担。At present,the use of illegal collection means in the process of personal debt collection has become a prominent problem restricting the construction of a credit society.At the same time,with the development of credit economy,the third-party personal debt collection business has actually become an important part of the lending market.In order to prevent and resolve the social problems caused by improper debt collection,and achieve the balance of multiple interests in the process of personal debt collection,it is necessary to combine the historical logic and practical experience of personal debt collection management to examine,reflect and promote the functional operation of the current legislation oriented to reality.Based on this,from the perspective of coherence theory,we should take efficient handling of personal debt as the basic value orientation,incorporate the governance of the personal debt collection industry into the top-level legislation of social credit,and formulate a special regulatory system for the personal debt collection industry from the aspects of regulatory bodies,market access,practicing qualifications,and codes of conduct.At the same time,we should take efficient handling of personal debt and increasing social trust as the basic value orientation and improve the rule system of personal debt handling from the aspects of civil litigation and enforcement mechanism,personal bankruptcy law so that the related burden can be distributed.

关 键 词：债务催收 社会信用 法律治理 历史逻辑 融贯论 

分 类 号：D924.3[政治法律—刑法学]