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

家庭经济崩溃原因及超支债务人生活重建救助政策研究

基本信息

批准号：
14580112
负责人：
NISHIMURA Takao
金额：
$ 1.15万
依托单位：
Yokohama National University
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
2002
资助国家：
日本
起止时间：
2002 至 2004
项目状态：
已结题

项目摘要

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.

近年来，日本家庭经济的负债率迅速上升，消费信贷支出占家庭支出的1/4以上。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无法改善生活，需要家庭经济的改善和精神上的支持。针对这一问题，笔者对美国的消费者破产、债务人的信用咨询、债务人的教育等情况进行了调查。在美国，滥用消费者破产是一个问题，通过咨询或教育建议重建生活的政策也在努力。今年国会终于通过了联邦破产法的修订案。通过这次美国调查，我提出了日本可能需要的四项措施。1）改善债务人容易获得的咨询窗口2）从社会福利的角度出发，对制度进行改进，使急需的小额贷款更容易使用。3）培训生活援助顾问，并在全国范围内安排他们。4）从幼儿到年轻人，促进理财教育。