| Summary: | 碩士 === 淡江大學 === 國際商學碩士在職專班 === 98 === Abstract:“The Statute for Consumer Debt Clearance”（hereafter referred to as “the statute”） contains 159 articles and was promulgated by the President on 11 July 2007. The statute is comprised of four chapters, it’s includes general provisions, debt settlement proceedings, liquidation, and supplementary provisions. In the past, the bank made decision for debitor payment condition by one-sided. Now, some financial difficult debtors can use this law to joint consultation and use debt settlement or liquidation process to solve their problem of finance. The new law safe the debtor''s subsistence right, and reduce the unlucky event occurring. But it will let the debit bank to face significant impact and a huge amount of loan loss.
This study found that the debtor want to acquire settlement process shall be conformed to Clause 5 to Articles 151 of the Statute " Whether may have can shirked their duties, to result carrying out the agreement have significant difficulties". Debtor and Bank can successfully enter to the regenerate program that is the key point to witnesse to meet the Article 2,3,8,42,46 and the Article 7, 42 of Enforcement Rules of the Statute.
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