由於金融機構無限制擴張信用卡持卡人之信用額度，以及持卡人理財失敗或恣意浪費，導致2006年之卡債風暴。我國為解決因卡債族所造成之社會問題，於2007年7月11日公布、2008年4月11開始實施「消費者債務清理條例」，無異為卡債族帶來重建其經濟生活之希望。 本文目的係以「我國實施『消費者債務清理條例』之目的與動機」、「以各國實施消費者金融退場之機制來探討對經濟社會與金融之衝擊」、以及「我國實施消費金融退場機制後產生之影響」為主要之架構，藉以探討「消費者債務清理條例」對於金融機構所產生之影響，以當前信用卡授信政策之利弊，給予金融機構適當之建議，並且適時控制信用風險，以減輕「消費者債務清理條例」所產生之影響。Because financial institutions unlimited expanded the credit line of credit card holders and cardholders failed to manage money or wasted money, Taiwan credit-debt problems erupted in 2006.In order to solve society problems card debt clan caused, the government released the Consumer Debt Clearance Regulation on July 11, 2007 and implemented this regulation on April 11, 2008. Also, this regulation let the card debt clan have a chance to live. The main structure of this article is the objective and motive of the Consumer Debt Clearance Regulation, discussing the impacts on economic society and finance by each country’s implementing the financial exit mechanism of consumers, and the influence of our country’s implementing the exit mechanism of consumer finance. In addition, this article discusses the effects that the financial institutions generate due to the Consumer Debt Clearance Regulation. It gives the suggestion for the financial institutions, and properly control credit risks to mitigate the effects of the Consumer Debt Clearance Regulation by the advantages and disadvantages of the current loan policy of credit card.
