信贷经济下催收行业法律规制困境剖析

An Analysis of Legal Regulation Difficulties in the Collection Industry in the Context of the Credit Economy

信贷经济规模化运作下,催收行业发展迅速,已形成一套相对成熟的业务操作模式。催收既能帮助债权人回收逾期款项,又能修复债务人信用,应加以合理运用。受法律规范滞后性影响,暴力、胁迫等违规催收事件频发。对此,可围绕催收机构设置组织类型、资本最低限额等准入条件,并将催收范畴界定为法律主体基于合法交易产生,可以货币作价估量的债务。此外,还应严格规范催收行为,落实相应责任,充分发挥行业自律与行政监管效能。

Under the large-scale operation of the credit economy,the collection industry has developed rapidly and has formed a relatively mature business operation model.Collection can not only help creditors recover overdue payments,but also repair the debtor’s credit,and should be used reasonably.Due to the lagging nature of legal norms,incidents of illegal collection such as violence and coercion occur frequently.In this regard,access conditions such as organizational type and minimum capital limit can be set around the collection institution,and the collection scope can be defined as debts generated by legal entities based on legal transactions that can be valued in currency.In addition,it is also necessary to strictly regulate the collection behavior and implement corresponding responsibilities,fully leveraging industry self-discipline and administrative supervision efficiency.