論無卡分期之法律性質及其衍生問題

The Legal Problem of Installments Payment Without Using Credit Cards

全球電子商務急速發展下帶動一波線上購物風潮，臺灣社會亦難攖其鋒。近年來更有網路電商與資融公司合作提供無卡分期服務，主打不用信用卡也能分期付款購物。許多未持有信用卡的學生以及小資族群紛紛申辦，惟因多數消費者誤認無卡分期係與出賣人間之分期付款買賣契約，直到解除或終止契約後遭到銀行或民間融資業者催繳剩餘費用時，始知債權於契約成立時已移轉於銀行或資融公司，引發諸多消費糾紛。有鑑於此，本文擬先討論無卡分期之法律性質，並分析當事人間之權利義務關係。其次，提出無卡分期衍生之相關法律爭議問題，首先回顧學承電腦等補習班倒閉案，再說明無卡分期高額利息之效力，並指明已陷入清償不能之消費者其可循之債務清理方向，以及點出目前資融公司無法可管之境況，探討其監督管理之問題作結。最後，本文站在確保消費者享有安全融資服務之立場，建議政府單位儘速通過融資公司法草案。

Because of the constant growth of E-commerce, Internet shopping or online Trade became more and more popular. In recent years, these online E-commerce Companies have cooperated with Non-Bank to provide card-free instalment services. Actually, Installment Payment without using credit cards is not a new topic, was discussed due to the high interest rates. In addition, the loan was not offered by Banks but by so-called Non-Banks. The word non-banks comes from Japan and and is comparable to finance companies, but there are still no finance companies and no applicable law in Taiwan. This article will first explain the term and the legal relationship of the Installment Payment without using credit cards. And then, this article aims to analyze the Effect of high interest rates from the perspective of Civil Law and Consumer Protection Act. Finally, for the administration of the finance company and also for the guarantee of the financial market, the authority needs to announce the law immediately.