Disparity of Consumers and Over-Indebtedness As A Situation of Hypervulnerability for A Re-Reading of Solvency Assessment Policy
The solvency assessment, as a tool for the prevention of consumer over-indebtedness, maintains the paradigm of the average consumer in the way of operating. This paper aims to provide a re-reading of the solvency assessment policy, beyond the paradigm of the average consumer. The argumentative devel...
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| Tipo de recurso: | artículo |
| Estado: | Versión publicada |
| Fecha de publicación: | 2024 |
| País: | Perú |
| Institución: | Pontificia Universidad Católica del Perú |
| Repositorio: | Revistas - Pontificia Universidad Católica del Perú |
| Idioma: | español |
| OAI Identifier: | oai:ojs.pkp.sfu.ca:article/30033 |
| Acceso en línea: | http://revistas.pucp.edu.pe/index.php/derechopucp/article/view/30033 |
| Access Level: | acceso abierto |
| Palabra clave: | Types of consumers Over-indebtedness Hypervulnerability Solvency assessment Holism Tipos de consumidores Sobreendeudamiento Hipervulnerabilidad Evaluación de solvencia Holismo |
| Sumario: | The solvency assessment, as a tool for the prevention of consumer over-indebtedness, maintains the paradigm of the average consumer in the way of operating. This paper aims to provide a re-reading of the solvency assessment policy, beyond the paradigm of the average consumer. The argumentative development allows concluding that the finding of the existence of a disparity of types of consumers and the consideration of overindebtedness as a situation of hypervulnerability obliges the designer of the prevention policy to consider a high degree of protection of the consumer´s interests before the risk of economic-financial crisis, and to a solvency evaluation with a holistic perspective and with a differential approach to appreciate the risk of economic-financial crisis and the effects it generates, paying attention to the set of particular and contextual circumstances of the person. |
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