Research Project on Consumer Bankruptcy Discharge

近年来，由于消费者普遍使用信贷，消费者破产案件显著增加。本研究旨在实证分析破产解除对破产人生活的影响，并尝试在破产程序中插入偿债计划。以东京地方法院八王子分支和钏路地方法院管辖区内的破产解除者为对象，发放了约400份问卷，的破产人，以及在一月一日至三月三十一日期间发出的破产公告中被识别的获解除破产的破产人，发出了约二千份问卷，1990.破产解除确实给大多数破产者一个重新开始的机会，但有时也给他们带来社会和经济上的不利因素。在某些情况下，向债权人提供债务偿还计划可能比解除债务更能减轻他们的负担。

Consumer bankruptcy cases have remarkably increased due to the popular use of credit by the consumers in recent years. This research aims at the empirical analysis of the discharge effect to the lives of the bankrupts, and tries to insert the debt payment plan in the insolvency procedure.About 400 questionnaires were sent out to the discharged bankrupts residing in the jurisdictions of Hachioji Branch of Tokyo District Court and Kushiro District Court, who were identified by the Public Notice Bulletines issued in 1988.Another about 2000 questionnaires were also sent out to the discharged bankrupts who were also identified by the Public Notice Bulletines issued from January 1 to March 31, 1990.Bankruptcy discharge surely gives most bankrupts a chance for fresh start, but it sometimes gives them social and economical disadvantages. In some cases they might be better relieved by offering creditors the debt payment plan than discharge.