诉讼外消费者债务清理制度研究

The Out- of- court Consumer Insolvency System

近年我国消费信贷迅速发展,与之相配套的无力偿债纠纷解决制度却久未建立,导致消费者难以通过法律途径寻求救济。在法院内破产程序和诉讼外债务清理程序这两个层面的纠纷解决机制中,当事人于诉讼外程序中不止可行使实体处分权,且得行使程序处分权以达成偿还方案。自然人破产能力的缺失更使该程序成为我国当下解决消费者过度负债问题的不二选择。

Because of the rapid development of consumer credit as well as the lack of disputes resolutions on consumer insolvency that can be compatible with it, it is hardly possible for consumer debtors in China to seek remedies via legitimate methods. Between the two solving systems - consumer bankruptcy and out - of - court consumer insolvency, the absence of natural person＇s bankruptcy ability makes the latter the only choice to challenge the over - indebtedness problems for today＇s China, when considering that the parties would not only determine the substantive rights but also determine the choice of proceedings to achieve debt arrangements.