Study about Resource Management Skill for Preventing Over-indebted Problem

本研究结果总结如下：1。分析来自冲绳KURESARA集团的数据。因此，债务人借款的第一债务原因依次为生活费用、担保人和商业资金。个人破产或具体仲裁是重构债务人生活的有效途径。通过这种个人破产或特定的仲裁救济，前者的债务减少了，但导致债务的不稳定的就业和低收入并没有改变。债务人精神上的痛苦比金钱问题上的痛苦更痛苦。补救措施是一种对策，而不是根本的解决办法。要从根本上解决过度负债问题，必须确保国民最低生存权利。所有人都应享有教育、就业、住房、医疗和养老保障。有报道称，记账对掌握债务人家庭预算的收支情况非常有效。但是，负债家庭的生活费用状况还不到福利家庭的50%。他们的生活费用太低了，难以承受。高中生认为对建设“无负债社会”重要的项目如下：量入为出，为突发支出做准备，改变社会，了解债务并为“无负债社会”行事，了解为解决过度负债问题提供建议的官方组织7。对过度负债问题的认识程度与课堂实践有关。当一个老师没有足够的知识，他/她倾向于不教它。

Results of this research are summarized below.1. Data from Okinawa KURESARA Group was analyzed. As a result, the order of the first debt reason that debtors borrowed money is the cost of living, a guarantor and a business fund.2. The personal bankruptcy or the specific arbitration is effective to reconstruct debtors' life. The former debt is reduced by such a personal bankruptcy or specific arbitration remedy, but the unstable employment and the low income which caused a debt don't change.3. The debtor is more pinched with mental pain than monetary problem pain.4. A remedy is a countermeasure, not a fundamental solution. Securement of a national minimum as a right to live is necessary for a fundamental solution of over-indebted problem. Education, employment, housing, medical treatment and pension should be secured for all people.5. There is a report that a book-keeping is very effective to grasp the income and expenditure of the debtor's household budget. However, financial situation of debtors' living cost was less than 50 percent of welfare household. Their living cost was too low to manage.6. The items high school student thought which is important for building "no-debtor society" are indicated below: To live within income, to prepare for the sudden expenditure, to change society, to learn about debt and behave for "no-debtor society", to know the official organizations which give advices for solving over-indebted problem7. The degree of knowledge about over-indebted problem relates to class practice. When a teacher doesn't have enough knowledge, he/she has tendency not to teach it.