THE STUDY FOR THE DEVEROPMENT OF RECOVERY PROGRUM OF HOUSEHOLD MANAGEMENT ABILITY AND THE POSSIBILITY OF INTRODUCTION OF LIFE SUPPORT ADVISOR

由于消费者信心过度膨胀而导致的家庭债务负担的扩大，正在成为发达国家的一个普遍问题。可以想象，有必要为借款人提供生命支持，并有一个框架来监管贷款人。本研究的目的是验证国内外债务人生命支持系统作为解决问题的处方，并明确生命支持系统的方式及其领导者应扮演的角色。我们已经讨论了澳大利亚的情况，它有一个全国性的金融顾问组织，该组织与大学合作，并在年制定了金融服务改革法案。2001.与此同时，我们还讨论了岩手消费者金融合作社的情况下，这是已知的情况下，开始考虑这个问题的较早日期，并Kon Law农场，已经举行了债务人磋商了很长一段时间。

The expanding of the housekeeping debt burden because of excessive consumer confidence is becoming a common problem in developed countries. It is conceivable that there is the necessity of the life support to borrowers and that there be a framework to regulate lenders. The purpose of this research is to verify the life support system for debtors both at home and abroad as the prescription to the problem solution, and to define what the ways of life support system and the role of its leaders should be.In the first report, we have discussed the Australian case that has the national organization of financial counselors which collaborated with universities and has established the financial service reform act in 2001. Simultaneously, we also discussed the case of Iwate Consumers Financial Co-op, which is known as the case which started considerations of this problem at an earlier date, and Kon Law farm which has held an debtor consultation for long time.