債務催收產業訂定專法可行性研究-0-摘要

2019 Dec 08 論文期刊採訪

中文摘要

金融債務委外催收是現代社會衍生的新興議題。惟長久以來，我國並未有專法加以規範，以致許多違法、不當催收行徑，造成社會大眾的不安。

本文從催收實務的角度，以人權的關懷為出發點，參酌世界先進國家的委外催收法令，以及國際金融監理組織的相關規範，探究我國設立催收專法應有的立法方向與重要內涵。

本文的研究發現，台灣的催收問題應視為台灣經濟轉型的一環，催收規範是為了協助債務人重新納入經濟社會中，因此必須兼顧債權人、債務人與催收人彼此應有的人權保障，而在引介其他國家的法制與國際金融組織的規範上，除了必須探究各自不同的時空背景外，也應符合我國的民情，做必要的調整。

以上五點研究發現，或可供相關立法單位參酌。

Abstract

Outsourcing the debts-collecting activities is an emerging issue in modern society. Nevertheless, there is no specified law regarding the issue in Taiwan.

As a result, many illegal and inappropriate collecting behaviors derived from the collecting activities has aroused disturbances in Taiwanese society.

This thesis is to establish a direction for making the laws regarding debts collection from practical experiences, human-rights issues, established legislation from advanced countries, regulations from international financial organizations.

The discoveries of this thesis are: the debts collection issues arise from the transformation of Taiwanese economy. Therefore, the regulations are there to help the debtors to function again in the economic society, thus the incorporation of the rights of debtors, creditors, and collectors should be guaranteed.

As we take references from the regulations of other countries and international financial organizations, it should be recognized that the laws are made from different historical contexts of different countries; therefore, as we try to establish laws in our own country, we need to make adjustments based on our needs.

The five discoveries will provide references from related authorities.