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Empirical and Comparative Study of Security Interest Transactions in Consumer Credit in Japan

Research Project

Project/Area Number 01520024
Research Category

Grant-in-Aid for General Scientific Research (C)

Allocation TypeSingle-year Grants
Research Field Civil law
Research InstitutionRITSUMEIKAN UNIVERSITY

Principal Investigator

ARAKAWA Shigekatsu  Ritsumeikan University, Faculty of Law, Professor, 法学部, 教授 (00066680)

Co-Investigator(Kenkyū-buntansha) YAMAMOTO Ryuji  Gifu College of Economics, Faculty of Economics, Professor, 経済学部, 教授 (10150765)
SHIOTA Chikafumi  Ritsumeikan University, Faculty of Law, Professor, 法学部, 教授 (50066544)
NAGAO Jisuke  Ritsumeikan University, Faculty of Law, Professor, 法学部, 教授 (90014430)
NAKAI Yoshio  Ritsumeikan University, Faculty of Law, Professor, 法学部, 教授 (60066602)
INUI Shozo  Ritsumeikan University, Faculty of Law, Professor, 法学部, 教授 (70066538)
佐上 善和  立命館大学, 法学部, 教授 (50081162)
Project Period (FY) 1989 – 1991
Project Status Completed (Fiscal Year 1991)
Budget Amount *help
¥2,100,000 (Direct Cost: ¥2,100,000)
Fiscal Year 1991: ¥400,000 (Direct Cost: ¥400,000)
Fiscal Year 1990: ¥700,000 (Direct Cost: ¥700,000)
Fiscal Year 1989: ¥1,000,000 (Direct Cost: ¥1,000,000)
KeywordsConsumer Credit / installment selling / credit without guarantie / surety / mortgagor / hypothec / account / maximal-hypothec / 消費者法(Consumer Law) / カ-ド取引 / 提携ロ-ン取引 / 公正証書 / 支払命令 / EC消費者契約法 / 担保法制度 / 銀行取引 / 比較法研究 / 立法論的研究 / 担保法制 / 結合取引 / 比較法的研究 / 法規定間調整(Rrchtsharmonisierung)
Research Abstract

We have conducted an empirical and comparative study of security interest transactions in consumer credit in Japan. Our goal was to identify the various legal problems associated with such transactions, and to overview the possible solutions to similar problems which have arisen in other developed countries such as Germany and European Community.
The results of our study are as follows. Firstly, it is evident that the protection of a guarantor or a surety/mortgagor against whom a creditor takes action is required. This is due to the fact that the creditor advances credit in knowledge that it can hold only a subordinate security interest in the debtor's real estate, or that the creditor misjudges the value of the real estate in which security interest is to be acquired. Secondly, a theoretical problem arises in the case where a creditor takes a deposit in the debtor's bank account as the security interest. Our study also included an examination of the applicability of the Preliminary Recording Act (KARI TOKI TANPO HO) to security interests such as the installment land contract with forfeiture clause, absolute deed or sale-leaseback, and the provisions regulating blanket-mortgage to blanket sureties.
Finally, comprehensive research into German and the European Community laws regulating consumer credit has provided us with a meaningful analytical framework with which to study legislative and policy issues concerning consumer credit in Japan.

Report

(4 results)
  • 1991 Annual Research Report   Final Research Report Summary
  • 1990 Annual Research Report
  • 1989 Annual Research Report
  • Research Products

    (21 results)

All Other

All Publications (21 results)

  • [Publications] 佐上 善和: "消費者破産" ジュリスト. 971号. 286-292 (1991)

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      1991 Final Research Report Summary
  • [Publications] 長尾 治助: "商品購入代金の立替払契約上の抗弁問題と信義則" ジュリスト. 973号. 46-50 (1991)

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      1991 Final Research Report Summary
  • [Publications] 山本 隆司: "契約準備段階と民法" 岐阜経済大学論集. 25巻2号. 181-204 (1991)

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      1991 Final Research Report Summary
  • [Publications] 山本 隆司: "欧州共同体及びドイツ連邦共和国における消費者信用法" 立命館法学. 208号. 56-92 (1990)

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      1991 Final Research Report Summary
  • [Publications] 荒川 重勝: "不動産譲渡担保と仮登記担保法" 立命館法学. 205.206合併号. 60-104 (1990)

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      1991 Final Research Report Summary
  • [Publications] 中井 美雄: "動産売買の先取特権の優先弁済効力" 立命館法学. 205.206合併号. 1-33 (1990)

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      1991 Final Research Report Summary
  • [Publications] Yoshikazu Sagami: "Consumer Bankruptcy" Juristo. 971. 286-292 (1991)

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      1991 Final Research Report Summary
  • [Publications] Jisuke Nagao: "Beneficial Excuse in Consumer Credit" Juristo. 973. 46-50 (1991)

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      1991 Final Research Report Summary
  • [Publications] Ryuji Yamamoto: "Formation of Contract and Civil Law" Gifu Keizai Daigaku Ronsyu. 25. 181-204 (1991)

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      1991 Final Research Report Summary
  • [Publications] Ryuji Yamamoto: "Consumer Law in EC and Germany" Ritsumeikan Hogaku. 208. 56-92 (1990)

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      1991 Final Research Report Summary
  • [Publications] Shigekatsu Arakawa: "Transfer of Ownership and Security by way of the Preliminary Recording Act" Ritsumeikan Hogaku. 205/206. 60-104 (1990)

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      1991 Final Research Report Summary
  • [Publications] Yoshio Nagai: "Preferential Rights to Movables" Ritsumeikan Hogaku. 205/206. 1-34 (1990)

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      1991 Final Research Report Summary
  • [Publications] 佐上 善和: "消費者破産" ジュリスト. 971号. 286-292 (1991)

    • Related Report
      1991 Annual Research Report
  • [Publications] 長尾 治助: "高品購入代金の立替払契約上の抗弁問題と信義則" ジュリスト. 973号. 46-50 (1991)

    • Related Report
      1991 Annual Research Report
  • [Publications] 山本 隆司: "契約準備段階と民法" 岐阜経済大学論集. 25巻2号. 181-204 (1991)

    • Related Report
      1991 Annual Research Report
  • [Publications] 山本 隆司: "銀行総合口座の便利さと危険性 ー民法478条などー" 消費者法ニュ-ス. 3号. 35 (1990)

    • Related Report
      1990 Annual Research Report
  • [Publications] 荒川重勝: "不動産譲渡担保と仮登記担保法-不動産譲渡担保の私的実行を中心として-" 立命館法学. 205号・206号合併号. 60-104 (1989)

    • Related Report
      1989 Annual Research Report
  • [Publications] 中井美雄: "動産売買の先取特権の優先弁済力" 立命館法学. 205号・206号合併号. 1-33 (1989)

    • Related Report
      1989 Annual Research Report
  • [Publications] 長尾治助: "消費者利益の法的保障について" 立命館法学. 205号・206号合併号. 34-59 (1989)

    • Related Report
      1989 Annual Research Report
  • [Publications] 山本隆司: "コンピュ-タ-・ネットワ-クと契約のシステム化" 法律時報. 62巻-2号. 8-17 (1990)

    • Related Report
      1989 Annual Research Report
  • [Publications] ペ-タ-・ギレス/山本隆司訳: "欧州共同体(EC)及びドイツ連邦共和国における消費者信用法" 立命館法学. 208号. 56-92 (1989)

    • Related Report
      1989 Annual Research Report

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Published: 1989-04-01   Modified: 2016-04-21  

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