金融领域债务催收不当行为与规制研究

Research on Improper Behavior and Regulation of Debt Collection in the Financial Field

债务催收作为金融贷后不良资产处置的关键一环,在实践中具有重要意义。然而现阶段,由于缺乏有效的规制,我国债务催收行业处于无序发展的状态,催收过程中各种违法违规事件层出不穷。本文通过梳理归纳了我国债务催收的主要模式,并分别从债权人、债务人、第三方催收机构的角度对催收过程中的不当行为进行分析,立足于我国实际国情,在借鉴境外经验的基础上对如何规范金融领域债务催收行为提出相关建议。

Debt collection,as a key part of the disposal of non-performing assets after fi nancial loans,is of great signifi cance in practice.However,at this stage,due to the lack of eff ective regulations,debt collection industry is in a state of disorderly development,and various violations of laws and regulations emerge in an endless stream in the collection process.This article summarizes the main modes of debt collection in China,and analyzes improper behavior in the collection process from the perspectives of creditors,debtors,and third-party collection agencies.Based on our country’s actual national conditions,put forward relevant suggestions on how to regulate debt collection behavior in the fi nancial sector on the basis of learning from overseas experience.