债务催收中债务人权益的保护
发布时间：2018-11-13 14:44
【摘要】：在债务违约危机凸显的大背景下,非法债务催收事件频发,债务人的权益亟待保护。但是,当前催债规范的客体存在局限性,债务催收的主体表现消极,趋于隐身的监管难以应对无序化的债务催收行为,故债务人的权益无法得到有效的保护。为此,相关各方有必要积极借鉴美国、英国、日本等国家和我国港台地区的有益经验,从制度建设、监督管理和市场自律三个层面,进一步推动债务催收规范的科学制定,更好地明确监管部门的职责,加快自律组织的培育与"债务医生"的兴起,最终在债务催收领域构建起一套完善的债务人权益保护体系。
[Abstract]:Under the background of debt default crisis, illegal debt collection occurs frequently, and the debtor's rights and interests need to be protected. However, there are limitations in the object of current debt reminders, the subject of debt collection is negative, and the stealthy supervision is difficult to deal with the disorderly debt collection behavior, so the debtor's rights and interests can not be effectively protected. Therefore, it is necessary for the relevant parties to actively learn from the beneficial experiences of the United States, Britain, Japan and China's Hong Kong and Taiwan regions, and to further promote the scientific formulation of debt collection norms from the three levels of system construction, supervision and management, and market self-discipline. We should better clarify the responsibility of the supervision department, speed up the cultivation of self-discipline organization and the rise of "debt doctor", and finally construct a set of perfect protection system of debtor's rights and interests in the field of debt collection.
【作者单位】： 华东政法大学研究生教育院;华东政法大学经济法学院;
【分类号】：D923.3
本文编号：2329474
[Abstract]:Under the background of debt default crisis, illegal debt collection occurs frequently, and the debtor's rights and interests need to be protected. However, there are limitations in the object of current debt reminders, the subject of debt collection is negative, and the stealthy supervision is difficult to deal with the disorderly debt collection behavior, so the debtor's rights and interests can not be effectively protected. Therefore, it is necessary for the relevant parties to actively learn from the beneficial experiences of the United States, Britain, Japan and China's Hong Kong and Taiwan regions, and to further promote the scientific formulation of debt collection norms from the three levels of system construction, supervision and management, and market self-discipline. We should better clarify the responsibility of the supervision department, speed up the cultivation of self-discipline organization and the rise of "debt doctor", and finally construct a set of perfect protection system of debtor's rights and interests in the field of debt collection.
【作者单位】： 华东政法大学研究生教育院;华东政法大学经济法学院;
【分类号】：D923.3
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