个人过度信贷的复合型规制路径

Composite Regulation Path of Excessive Personal Credit

中文关键词:  个人破产免责  信用卡诈骗罪  道德惩戒型规制  效用促进型规制  复合型规制

英文关键词:personal bankruptcy discharge  crime of fraud of overdrawing credit cards  moral punishment-based regulation  utility promotion regulation  composite regulation

中文摘要:

      恶意透支型信用卡诈骗罪与个人破产免责制度在规制个人过度信贷行为上存在冲突。这一冲突折射了二者所包含的道德准则的巨大分歧。道德惩戒型规制和效用促进型规制对个人过度信贷截然不同的态度使法律失去了在这一领域进行社会整合、形成道德共识的能力。随着个人信贷经济的发展,将居民部门的消费债务总量保持在一个合理阈值内已成为宏观经济稳定发展的重要课题。应以此为方向,反思道德惩戒型规制的合理性,并从恶意透支型信用卡诈骗罪和个人破产免责制度的深层法律目的出发,根据消费信贷的不同类型搭建一种能够调和规制冲突的复合型规制路径,使其既能促进消费信贷的可持续发展,又能抑制其非理性的过度增长。

英文摘要:

      There exists a conflict between the crime of fraud of overdrawing credit cards with ill intentions and the personal bankruptcy discharge system in regulating excessive personal credit behavior. This conflict reflects a huge divergence in the moral standards contained within the two systems. The starkly contrasting attitudes of moral punishment-based regulation and utility promotion regulation towards excessive personal credit have deprived the law of its ability to achieve social integration and foster moral consensus in this field. With the development of the consumer credit economy, maintaining the total amount of consumer debt of the household sector within a reasonable threshold has become crucial for macroeconomic stability and development. Guided by this objective, efforts should be made to reflect on the rationality of moral punishment-based regulation, and starting from the deep legal purposes of the two norms, to establish a composite regulation path that can reconcile regulatory conflicts according to different types of consumer credit. Such a path can promote the sustained development of consumer credit while suppressing its irrational, excessive growth. 