| Summary: | 碩士 === 國立臺北大學 === 犯罪學研究所 === 98 === The cases of violent debt collection are frequently being heard. People once again concern about the victims’ offenses because the disturbance and threats have resulted in many broken families. The aim of this study is to enhance the prevention and cater for the victim’s needs, which includes four major purposes as the followings: 1. Discuss the characteristics of the victims of violent debt collection, the victimization process and the ways to cope with it. 2. Understand the violent tricks that the debt collectors used to induce the victims. 3. Analyze the prevention measures to enhance the protection. 4. Propose the quality recommendations.
Based on the in-dept interview, this study interviewed 10 victims and law executors through judgment sampling method and collected 26025 official statistic crime data over the past 10 years and 4 violent debt collectors’ information in 2009 to conduct a secondary data analysis for comparison before coming to a conclusion.
The finding of the research shows 8 characteristics of the victims including male gender, low income, being jobless for a while, poor financial condition, between young and middle age, low education degree, poor family relationship and bad leisure habit. The victimization process is divided into 5 stages including the loan period, payment period, threatened period, help-seeking period, responding period and recovering period and 12 inner feelings while the debt collector’s violent behaviors are divided into threats and skill disturbance. The violent places mainly locate at the vicinity of the victim or the places selected by the criminal. Moreover, the victim’s reactions mainly include the cooperation, negotiation, help-seeking and hostility.
With regard to the government’s prevention effect, the aggressive law enforcement has disallowed the debt collectors’ arrogant behavior but there is still a room for improvement. The victims urgently require assistances from legal protection, financial support, legal consultation and spiritual consolation. In terms of regulation, the foreign protection orders acts can be taken as reference for managing pawnshops and protecting the victims.
To improve the overall effectiveness of the prevention of violent debt collection, 12 recommendations are given as references for government to promote the crime prevention and for the potential victims to consider. In particular, it is expected to introduce the foreign “criminal protection orders” system to warn the criminals while enabling the law execution units to actively protect the victims. It is to prevent the criminal cases instead of being restricted by law and avoid the harms that may result from the crime instead of investigating the case after the incident.
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