トップページ >借金問題お金に関する話題> 貸金業法改正が多重債務問題の本質改善となるのか？
貸金業法改正が多重債務問題の本質改善となるのか？
貸金業法改正の総量規制により、収入における借金の割合などで上限を決めることは、多重債務を解決する根本的なものになるのだろうか？
正規の金融会社から融資を断られたとき、悪質多重債務者はどうなってしまうのだろう。
金融会社全てに断られたら、親族や知人から何とかして、ウソをついてでも。。。
親族や知人に無心して金策をすると、返せないお金を借りるのだから身内の金銭トラブルが増加する。
「アイツは知り合いだから、俺のためなら返済を待ってくれるだろう」
善意で貸してくれるほうとっては大迷惑だ。
多重債務者が親戚や知人から借金する場合は、自分より上の立場の人から借りることは無いと思う。
返済を迫られても、のらりくらりとかわすことができる人を最初からターゲットにするからだ。
かつての自分はそうだった。
いとこや友人から借りたことがあったけど、自分より目上の人から借りるということは眼中に無かったのであり。
借金の返済ができなければ「債務整理」も選択肢の一つになるのだが、借金ができなくなることのほうが恐ろしい多重債務者は、何とかして金策をすることが第一なんだ。
友人知人に金策の目途がたたなければ、違法金融。。。通称「闇金」へ。
それならまだしも返済のために、会社の金や自分のものじゃないお金を使い込む。
最近であれば､社保庁の職員による年金の使い込みがニュースを賑わせた。
理由を聞けば「借金返済のためしかたなくやった」や「遊興費に」がそのほとんどだったかと。
銀行員など、普段の仕事でお金を扱う業界では、使い込みが後を絶たないのが現状であるのも間違いない。
それどころか、去年県内で発生した事件。
タクシーの運転手を襲ったり、コンビニ強盗をしたりなどの犯罪も借金が原因のものであった。
なぜ、債務整理を考えなかったのだろう。
あるいは、ここ最近の間に債務整理をしていたので、それができないから犯罪に走ってしまったのだろうか？
債務整理をした人に対して、本当に必要なことは債務整理後のケアじゃないかと。
過払い金の返還請求も含め、何のためにそれをするのかということを、多重債務者自身に理解させることが政府の役目と思うのだ。
貸金業法改正だけでは多重債務問題の本質が改善されないと思う債務大王です。
[スポンサードリンク]債務整理・借金解決をもっと知りたい
Posted by 債務大王 : 23:20 | Comments (34) | Trackbacks (0) | Page Top ▲
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Bankruptedです。
貸金業法改正について、私も関心を持っていて、マスメディア報道なども、目にしてはいます。
｢悪質多重債務者｣ということ、そういう人たちのこと、もあるのですね。
債務整理への認識と、その後のことへの認識、両面で、問題ある人に、いい方向で認識してもらいたいですね。
問題提起を、ありがとうございました。
こんばんは＞Bankruptedさん
コメントありがとうございます。
借金で切羽詰まっているときは考えるのにも余裕が無くて。。。
そんな自分でありました。
やはり大切なのは、原因を改善するとかのアフターケアが重要と思います。
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