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銀行カードローンと過剰貸付けの私法的効力
https://doi.org/10.15052/00003319
https://doi.org/10.15052/0000331963c75295-68de-4837-bdc8-b03d5164d989
名前 / ファイル | ライセンス | アクション |
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木村裕二_銀行カードローンと過剰貸付けの私法的効力_聖学院大学論叢30-2.pdf (389.1 kB)
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Item type | 紀要論文 / Departmental Bulletin Paper(1) | |||||
---|---|---|---|---|---|---|
公開日 | 2018-03-23 | |||||
タイトル | ||||||
タイトル | 銀行カードローンと過剰貸付けの私法的効力 | |||||
タイトル | ||||||
言語 | en | |||||
タイトル | Bankcard loans and the effect of the privacy law on excessive loans | |||||
言語 | ||||||
言語 | jpn | |||||
キーワード | ||||||
主題Scheme | Other | |||||
主題 | 銀行カードローン | |||||
キーワード | ||||||
主題Scheme | Other | |||||
主題 | 過剰貸付け | |||||
キーワード | ||||||
主題Scheme | Other | |||||
主題 | 信義則 | |||||
キーワード | ||||||
主題Scheme | Other | |||||
主題 | 引き直し計算 | |||||
キーワード | ||||||
主題Scheme | Other | |||||
主題 | 保証料 | |||||
キーワード | ||||||
言語 | en | |||||
主題Scheme | Other | |||||
主題 | Bankcard loan | |||||
キーワード | ||||||
言語 | en | |||||
主題Scheme | Other | |||||
主題 | Excessive loans | |||||
キーワード | ||||||
言語 | en | |||||
主題Scheme | Other | |||||
主題 | Good faith principle | |||||
キーワード | ||||||
言語 | en | |||||
主題Scheme | Other | |||||
主題 | Recalculation | |||||
キーワード | ||||||
言語 | en | |||||
主題Scheme | Other | |||||
主題 | Guarantee charges | |||||
資源タイプ | ||||||
資源タイプ識別子 | http://purl.org/coar/resource_type/c_6501 | |||||
資源タイプ | departmental bulletin paper | |||||
ID登録 | ||||||
ID登録 | 10.15052/00003319 | |||||
ID登録タイプ | JaLC | |||||
著者 |
木村, 裕二
× 木村, 裕二× Yuji, KIMURA |
|||||
抄録 | ||||||
内容記述タイプ | Abstract | |||||
内容記述 | 銀行が,利息制限法第1条に定める金利に接近する金利で,極度貸付契約に基づく過剰貸付けを反復継続する行為は,債務者に対する信義則に違反する。銀行は債務者に対し,貸付額のうち信義則に違反する過剰貸付けの部分について,元本の返還および利息の支払を請求することができない。債務者が支払責任を負うべき残元本額を確定するためには,引き直し計算が必要である。保証会社は債務者に対し,予定された賠償額のうち保証料に相当する額について支払を請求することができない。 | |||||
抄録 | ||||||
内容記述タイプ | Abstract | |||||
内容記述 | Banks that continuously or repeatedly generate excessive loans under basic revolving credit contracts make debtors’ financial lives worse through such actions. Moreover, if the lion’s share of those loans are close to the rates defined in Article 1 of the Interest Rate Restriction Act, the bank’s actions will be considered contrary to the principle of good faith toward its debtors. A bank may not demand the return of principal in relation to the excess portion of a loan, nor may it demand interest on the same. Recalculation is necessary to confirm the amount of the principal in the obligation that the debtor is liable to perform. A guarantor company may not demand liquidated damages in relation to any amounts corresponding to charges pertaining to the guarantee. |
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書誌情報 |
聖学院大学論叢 en : The Journal of Seigakuin University 巻 30, 号 2, p. 45-59, 発行日 2018-02 |
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ISSN | ||||||
収録物識別子タイプ | ISSN | |||||
収録物識別子 | 9152539 |