| 摘要: | 近年來國內因大環境的變遷及金融改革的推行，致委外催收有不斷上升之趨勢；也因法律制度的不健全，以致在催收過程中時常有失序及違法等社會問題出現，而政府為求解決之道，故邀請國內外學者研擬相關「債務催收法」的立法，以為解決之道。 本論文係蒐集英、美及日本等國有關債務催收相關法例後，再以比較法學的方式提出看法，並就目前國內法律不足部分提出建議，最後再提出八大建議及結論，以為目前國內立法委員及學者於研擬有關「債務催收法」時參考。全文共分九章，其中第三章及第四章系就國內外的法制、管制措施及立法草案予以介紹，第五章到第七章則討論有關債務催收公司的設立面、催收行為面當如何管理並就相關不公平催收行為予以討論；而第八章係就有關催收行為中對於消費者保護及個人資料保護的應注意事項予以探討，全文主要以債務催收公司管理面及債務催收行為的管理為主軸，並引用英國的《1970年司法工作法》就有關騷擾行為的定義及罰責加以修改後，就騷擾定義明確化，並釐清灰色地帶以防不肖業者的不當催收行為。 另外本論文亦針對債務催收公司管理面，參考證券商同業公會及銀行同業公會而提出自律機制的建議（公會的規範），或許對於公平交易法的精神不逕相同，但該建議應視為一參考方向，若就管理權限面加以修正後應仍可對於債權回收管理業有一完善的管理。 最後，本論文在最後一章提出八大建議及本論文結論，係參酌國外法制及國內律法所提出，相信應可對於『債務催收法』立法關鍵問題的探討及思考，有一相當貢獻。 In recently, because of macroenvironment vicissitude and financial reform carrying out, sends outside the refers to debt collection has tendency of the unceasing rise in domestic; Because also the legal regime is not perfect, so that in collecting process often to have loses the foreword and illegal and so on the circumstances occurs, but the government for asks the solution, therefore invites the domestic and foreign scholars to draw up the correlation “Debt Collection Law” the legislation, for solution. After this paper is collects UK, America and Japan and so on, about the debt collection related legal regulation, again the method of comparative jurisprudence proposes the view, and puts forward the proposal on the present domestic law insufficient part, finally proposed again eight suggestions and the conclusion, thought at present domestic legislator and the scholar in draws up “The Debt Collection Law” the reference. The full text altogether divides nine chapters, in which third chapter of and the fourth chapter of department on the domestic and foreign legal systems, the control measure and the legislation draft introduced that, debt collection agency the fifth chapter to the seventh rules discussion related debt to set up the surface, to collection practices the behavioral side when how manages and debt collection on the correlation the behavior to discuss not fairly; but the eighth chapter of department on collection practices should the matters needing attention discuss regarding the consumer protection and individual material protection, The full text mainly debt collection agency management surface and the debt collection act management as a main axle, and quoted the UK "Administration of Justice Act 1970" and punishes the responsibility after the related harassment behavior definition to revise, the harassment definition clarification, and clarifies not the clear place to prevent the unfilial entrepreneur wrong collection practices. Moreover this paper also aims at the debt collection agency’s management surface, refers to the securities association and banks association puts forward the self-regulation proposal (association standard), perhaps regarding the fair trade law spirit are not the same, but this suggestion should regard as a reference direction, if revised after the management jurisdiction surface should still be possible to have a consummation management regarding the creditor's rights recycling management industry. Finally, this paper in the last chapter proposed eight suggestions and conclusion, it deliberates the overseas legal system and the domestic regulation proposed, believed should be possible to legislation key question discussion and the ponder about “The Debt Collection Law”, some one quite contributes. |
