Research on the cause of household economy breakdown and an aid policy of reconstruction for overspending debtors' life

最近在日本，家庭经济的负债发展迅速，消费信贷的支付占家庭支出的1/4或更多。在长期的经济萧条下，2003年个人破产人数超过24万人。但是，也有很多人，即使破产也不能改善生活，需要家庭经济的改善和精神上的支持。在这个问题上，我调查了美国消费者破产的情况，债务人的信用咨询，以及债务人的教育。在美国，滥用消费者破产是一个问题，建议通过咨询或教育重建生活的政策已经制定。联邦破产法的最终修订案今年在国会获得通过。通过这次美国的调查，我提出了日本可能需要的四项措施。1)改善债务人方便的咨询窗口2)从社会福利的角度出发，改善制度，使即时需要的小额贷款更容易使用。3)培训生活辅助顾问，并安排在全国各地。4)从小到小推广理财教育。

Recently in Japan, the indebtedness of a household economy progresses quickly, and the payment for consumer credit occupies 1/4 or more of a household expenditure. Under long depression, personal bankruptcy came to exceed 240,000 people in 2003. However, there are also many people by whom the improvement of a life at large is not found even if it goes bankrupt, and both support of a household economy improvement and mental support are needed.On this problem, I investigated the situation of consumer bankruptcy, the credit counseling for debtor, and the debtors education in the United States. In the United States, abuse of consumer bankruptcy poses a problem, the policy for recommending life reconstruction through counseling or education was worked on. Finally revision of federal bankruptcy law passed the Parliament this year.I proposed four measures which are probably needed in Japan trough this US survey.1)Improve the easy access window of consultation for debtors2)A system improvement is made so that it may be easy to use immediately required petty loan under a viewpoint of social welfare.3)Train assisted living advisers and arrange them all over the country.4)Promote the money management education from early childhood to young age.