本研究發現，債務人欲達到進入更生程序的關鍵要件，在於有無構成此條例第151條第5項內「因不可歸責於己之事由，致履行顯有重大困難者」；相對的，銀行要防止共同協商毀諾之債務人進入更生程序，可以請求法院駁回債務人更生聲請重要關鍵，亦是來自於此。債務人與債權銀行於法院審理過程中，債務人如何提出符合此條例第151條第5項受法院採納之具體事證，以及債權銀行是否能提出債務人不具有「因不可歸責於己之事由，致履行顯有重大困難者」之事實，成為雙方訴訟攻防的主要重點。其次，債務人聲請更生除了具備以上的要件外，尚須符合或未違反第2條、第3條、第8條、第42條、第46條及此條例施行細則第7條、第42條，方能順利進入更生程序。 Abstract:“The Statute for Consumer Debt Clearance”（hereafter referred to as “the statute”） contains 159 articles and was promulgated by the President on 11 July 2007. The statute is comprised of four chapters, it’s includes general provisions, debt settlement proceedings, liquidation, and supplementary provisions. In the past, the bank made decision for debitor payment condition by one-sided. Now, some financial difficult debtors can use this law to joint consultation and use debt settlement or liquidation process to solve their problem of finance. The new law safe the debtor''s subsistence right, and reduce the unlucky event occurring. But it will let the debit bank to face significant impact and a huge amount of loan loss.
This study found that the debtor want to acquire settlement process shall be conformed to Clause 5 to Articles 151 of the Statute " Whether may have can shirked their duties, to result carrying out the agreement have significant difficulties". Debtor and Bank can successfully enter to the regenerate program that is the key point to witnesse to meet the Article 2,3,8,42,46 and the Article 7, 42 of Enforcement Rules of the Statute.
