Study about Resource Management Skill for Preventing Over-indebted Problem

本研究的结果总结如下。对来自冲绳KURESARA集团的数据进行了分析。因此，债务人借钱的第一债务原因的顺序是生活费用，担保人和企业资金。个人破产或特定的仲裁对债务人的生活重建是有效的。个人破产或特定的仲裁救济可以减少以前的债务，但不稳定的就业和低收入导致的债务并没有改变。债务人的精神痛苦比金钱问题的痛苦更痛苦。补救措施是对策，不是根本解决办法。要从根本上解决过度负债问题，就必须确保国家最低生活保障。人人有学、就业、住房、医疗、养老等保障。有报告说，一本记账对于掌握债务人家庭预算的收支情况非常有效。但负债户的生活费支出状况却不及福利户的50%。他们的生活费用太低，难以维持。高中生对建立“无负债社会”的重要思考项目如下：量入为出、为突如其来的支出做好准备、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机构7。对过度负债问题的认识程度与课堂实践有关。当一个教师没有足够的知识，他/她有倾向不教它。

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.