消費者債務清理條例更生准駁因素個案分析

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Title:	消費者債務清理條例更生准駁因素個案分析
Other Titles:	Case study on “statute for consumer debt clearance”
Authors:	楊升元;Yang, Sheng-yuan
Contributors:	淡江大學國際商學碩士在職專班吳秀玲;Wu, Hsiu-ling;賈昭南;Chia, Chao-nan
Keywords:	消費者債務清理條例;更生;清算;債務協商;Statute For Consumer Debt Clearance;debt settlement proceedings;liquidation;Debt negotiation
Date:	2010
Issue Date:	2010-09-23 15:45:51 (UTC+8)
Abstract:	「消費者債務清理條例」（以下簡稱此條例）於2007年7月11日總統公布制定後實施，此條例內容包括：總則、更生、清算、附則。讓有債務清償困難的債務人在面對銀行的催收時，除了與個別銀行進行協議外，尚可藉由該條例內規定的共同協商機制、更生程序或清算程序來解決債務問題，不再像過去只能任由銀行強勢主導清償債務的還款條件。對於因負擔過重債務致經濟生活陷入困境的債務人而言，有效保障了生存權，避免不幸的社會事件不斷發生；對於銀行而言，此條例給予債務人的免責條款，對於維護債權的完整性有重大的影響，銀行過去放款風險控管不當的後果，將造成不可避免的債權損失。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.
Appears in Collections:	[Graduate Institute & Department of International Business] Thesis

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