債務人收入之認定──以收入的一般標準為中心

Determination of Debtor’s Income: “Centered on General Standards of Income”

消費者債務清理條例並未對於債務人之收入認定加以規定，然近來實務屢有出現援引基本工資、行政院勞動部職類別薪資調查動態查詢系統，作為收入標準之作法，甚至據此要求債務人提高收入，產生法所未明文的收入底線，頗滋疑義。對此，本文舉出現行實務對於收入依基本工資及薪資調查動態查詢作為收入標準之相關正反面實務見解，希望透過相關見解之對照，凸顯現行作法可議之處，最後提出本文之淺見，重行檢討現行作法，並期許我國債務重整制度之早日完善。

The Consumer Debt Clearance Statute does not stipulate the income determination of debtors. However, in recent practice, basic wage and the Executive Yuan Ministry of Labor’s Job Category Salary Survey Dynamic Inquiry System have frequently been cited as income standards, and debtors are even required to increase their income accordingly, resulting in an income bottom line that is not expressly stated in the law, which is quite doubtful. In this regard, this article cites the current practical opinions on the pros and cons of using basic salary and salary survey dynamic inquiry as the income standard in current practice. It is hoped that through the comparison of relevant opinions, it can highlight the negotiable aspects of the current practice. Finally, I put forward the brief opinions of this article, review the current practices, and hope that my country’s debt restructuring system will be improved as soon as possible.