美国第三方债务催收联邦立法实践及对我国的启示

发布时间：2018-04-10 22:07

本文选题：第三方债务催收 + 公平债务催收作业法　；参考：《南方金融》2017年08期

【摘要】：第三方债务催收是债权人的自力救助方式之一。随着我国经济社会金融化的逐步深入,第三方债务催收发展迅速,甚至已经形成产业化。但是,法律制度建设滞后致使第三方债务催收"野蛮生长",引发一系列社会问题。美国于20世纪70年代开始进行第三方债务催收立法,成为国际上相关法律制度最为先进、最为成熟的国家之一,其立法实践对我国未来开展相关立法以规范第三方债务催收行业发展具有重要的借鉴意义。我国第三方债务催收立法要明确催收人的法律地位,规范第三方债务催收行为,加强对不当债务催收行为的约束,从而既保障债务人的基本权利,也有助于债权人及其委托的催收人顺利实现债权。
[Abstract]:Third-party debt collection is one of the self-help ways of creditors.With the gradual deepening of economic and social financialization, third-party debt collection has developed rapidly, and has even formed industrialization.However, the delay in the construction of legal system led to third-party debt collection "barbaric growth", causing a series of social problems.The United States began legislation on third-party debt collection in the 1970s, becoming one of the most advanced and mature countries in the international legal system.Its legislative practice is of great significance for China to carry out relevant legislation in the future to standardize the development of third-party debt collection industry.The legislation of third party debt collection in our country should make clear the legal status of the third party debt collector, standardize the third party debt collection behavior, strengthen the restraint on the improper debt collection behavior, so as to protect the basic rights of the debtor.It is also helpful for creditors and their entrusting collectors to realize the creditor's rights smoothly.
【作者单位】：辽宁大学法学院;
【基金】：教育部哲学社会科学研究重大课题攻关项目《加快发展民营金融机构的法律保障研究》(项目编号:13JZD012)的资助
【分类号】：D971.2;DD912.28

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