Research Project on Consumer Bankruptcy Discharge

近年来，由于消费者普遍使用信贷，消费者破产案件显著增加。本研究旨在实证分析破产对破产人生活的影响，并尝试在破产程序中加入偿债计划。在1988年发布的《公告公告》中，对居住在东京地方法院八街分院和钏路地方法院辖区内的被解除破产者发放了400多份调查问卷。另外，还向1990年1月1日至3月31日发布的公告公告中确定的被解除破产者发放了约2000份问卷。破产解除无疑给大多数破产者一个重新开始的机会，但有时也会给他们带来社会和经济上的不利影响。在某些情况下，向债权人提供偿债计划可能比免除债务更能减轻他们的负担。

Consumer bankruptcy cases have remarkably increased due to the popular use of credit by the consumers in recent years. This research aims at the empirical analysis of the discharge effect to the lives of the bankrupts, and tries to insert the debt payment plan in the insolvency procedure.About 400 questionnaires were sent out to the discharged bankrupts residing in the jurisdictions of Hachioji Branch of Tokyo District Court and Kushiro District Court, who were identified by the Public Notice Bulletines issued in 1988.Another about 2000 questionnaires were also sent out to the discharged bankrupts who were also identified by the Public Notice Bulletines issued from January 1 to March 31, 1990.Bankruptcy discharge surely gives most bankrupts a chance for fresh start, but it sometimes gives them social and economical disadvantages. In some cases they might be better relieved by offering creditors the debt payment plan than discharge.