{"id":14316,"date":"2025-04-04T15:56:47","date_gmt":"2025-04-04T15:56:47","guid":{"rendered":"https:\/\/vila.es\/?p=14316"},"modified":"2025-04-08T16:25:02","modified_gmt":"2025-04-08T16:25:02","slug":"%e5%82%b5%e6%a8%a9%e7%ae%a1%e7%90%86%e8%80%85%e5%8f%8a%e3%81%b3%e8%b3%bc%e5%85%a5%e8%80%85%e9%96%a2%e9%80%a3%e6%b3%95%e6%a1%88%ef%bc%9a%e3%82%b9%e3%83%9a%e3%82%a4%e3%83%b3npl%e5%b8%82%e5%a0%b4","status":"publish","type":"post","link":"https:\/\/vila.es\/ja\/%e5%80%92%e7%94%a3\/%e5%82%b5%e6%a8%a9%e7%ae%a1%e7%90%86%e8%80%85%e5%8f%8a%e3%81%b3%e8%b3%bc%e5%85%a5%e8%80%85%e9%96%a2%e9%80%a3%e6%b3%95%e6%a1%88%ef%bc%9a%e3%82%b9%e3%83%9a%e3%82%a4%e3%83%b3npl%e5%b8%82%e5%a0%b4\/","title":{"rendered":"\u50b5\u6a29\u7ba1\u7406\u8005\u53ca\u3073\u8cfc\u5165\u8005\u95a2\u9023\u6cd5\u6848\uff1a\u30b9\u30da\u30a4\u30f3NPL\u5e02\u5834\u306e\u5305\u62ec\u7684\u898f\u5236"},"content":{"rendered":"<p style=\"font-weight: 400; text-align: right;\"><strong><span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"https:\/\/vila.es\/concursal\/proyecto-de-ley-de-administradores-y-compradores-de-creditos-una-regulacion-integral-para-el-mercado-de-npls-en-espana\/\">ES<\/a><\/span>|<span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"https:\/\/vila.es\/en\/bankruptcy\/draft-bill-on-credit-servicers-and-credit-purchasers-a-comprehensive-regulation-for-the-npl-market-in-spain\/\">EN<\/a><\/span>|\u65e5\u672c\u8a9e<\/strong><\/p>\n<p style=\"font-weight: 400; text-align: justify;\"><strong><em>\u6ede\u7559\u50b5\u6a29\u3068\u898f\u5236<\/em><\/strong><\/p>\n<p style=\"font-weight: 400; text-align: justify;\">2025\u5e743\u670814\u65e5\u4ed8\u306b\u3066\u3001\u6b27\u5dde\u8b70\u4f1a\u6307\u4ee4\u7b2c2021\/2167\u53f7\uff08\u4ee5\u4e0b\u300cEU\u50b5\u6a29\u6307\u4ee4\u300d\uff09\u3092\u30b9\u30da\u30a4\u30f3\u6cd5\u306b\u7f6e\u63db\u3059\u308b\u300c\u50b5\u6a29\u7ba1\u7406\u8005\u53ca\u3073\u50b5\u6a29\u8cfc\u5165\u8005\u95a2\u3059\u308b\u6cd5\u6848\u300d(\u4ee5\u4e0b\u300c\u672c\u4ef6\u6cd5\u6848\u300d)\u304c\u30b9\u30da\u30a4\u30f3\u306e\u5b98\u5831\u306b\u63b2\u8f09\u3055\u308c\u305f\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u6d88\u8cbb\u8005\u50b5\u6a29\u5951\u7d04\u6cd5(Ley de Contratos de Cr\u00e9dito al Consumo)\u3084\u4e0d\u52d5\u7523\u50b5\u6a29\u6cd5(la Ley de Cr\u00e9dito Inmobiliario)\u306a\u3069\u306e\u4e3b\u8981\u898f\u5236\u3092\u6539\u6b63\u3059\u308b\u3053\u3068\u3068\u306a\u308b\u3002\u672c\u4ef6\u6cd5\u6848\u306e\u4e3b\u306a\u76ee\u7684\u306f\u3001\u50b5\u52d9\u8005\u306e\u4fdd\u8b77\u3092\u78ba\u4fdd\u3057\u3064\u3064\u3001\u6ede\u7559\u50b5\u6a29\u3084\u4e0d\u826f\u50b5\u6a29(\u82f1\u8a9e<em>Non-Performing Loans<\/em>\u304b\u3089\u3001\u4ee5\u4e0b\u300cNPL\u300d\u3068\u3044\u3046)\u6d41\u901a\u5e02\u5834\u306e\u767a\u5c55\u306e\u305f\u3081\u306e\u8abf\u548c\u3042\u308b\u6cd5\u7684\u67a0\u7d44\u306e\u78ba\u7acb\u306b\u3042\u308b\u3002<\/p>\n<p style=\"font-weight: 400; text-align: justify;\">\u672c\u4ef6\u6cd5\u6848\u306b\u3088\u3063\u3066\u3001\u30b9\u30da\u30a4\u30f3\u306f\u3001\u50b5\u6a29\u8b72\u6e21\u696d\u52d9\u306e\u900f\u660e\u6027\u306e\u4fc3\u9032\u3092\u3057\u3001\u91d1\u878d\u52b9\u7387\u3068\u50b5\u52d9\u8005\u6a29\u5229\u9593\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u3068\u308a\u306a\u304c\u3089\u3001\u50b5\u52d9\u4e0d\u5c65\u884c\u6642\u306e\u7ba1\u7406\u90e8\u9580\u5c02\u9580\u5316\u306e\u65b9\u5411\u3078\u524d\u9032\u3059\u308b\u3053\u3068\u306b\u306a\u308b\u3002<\/p>\n<p style=\"font-weight: 400; text-align: justify;\">\u30b9\u30da\u30a4\u30f3\u306b\u304a\u3044\u3066NPL\u3068\u306f\u3001\u56de\u53ce\u56f0\u96e3\u3068\u306a\u308b\u30ea\u30b9\u30af\u304c\u9ad8\u3044\u304b\u3001\u3059\u3067\u306b90\u65e5\u3092\u8d85\u3048\u3066\u652f\u6255\u3044\u304c\u306a\u3044\u8cb8\u4ed8\u91d1\u3092\u6307\u3059\u3002\u91d1\u878d\u6a5f\u95a2\u306b\u3068\u3063\u3066\u53ce\u76ca\u6027\u306b\u5f71\u97ff\u3092\u53ca\u307c\u3059NPL\u306e\u84c4\u7a4d\u306f\u3001\u65b0\u898f\u4e0e\u4fe1\u306e\u969c\u5bb3\u3068\u306a\u308b\u3002\u305d\u306e\u305f\u3081\u30012008\u5e74\u306e\u91d1\u878d\u5371\u6a5f\u304a\u3088\u3073COVID-19\u5371\u6a5f\u306b\u3088\u308b\u7d4c\u6e08\u7684\u5f71\u97ff\u3092\u53d7\u3051\u3066\u3001EU\u306fNPL\u524a\u6e1b\u306e\u305f\u3081\u306b\u5305\u62ec\u7684\u306a\u6226\u7565\u3092\u63a1\u7528\u3057\u305f\u3002<\/p>\n<p style=\"font-weight: 400; text-align: justify;\">2021\u5e7411\u6708\u306b\u627f\u8a8d\u3055\u308c\u305fEU\u50b5\u6a29\u6307\u4ee4\u306f\u3001\u672c\u6226\u7565\u306e\u67f1\u306e\u4e00\u3064\u3067\u3001\u52b9\u7387\u7684\u304b\u3064\u900f\u660e\u6027\u306e\u9ad8\u3044\u3001\u5171\u901a\u306e\u30eb\u30fc\u30eb\u3092\u5099\u3048\u305fEU\u306eNPL\u5e02\u5834\u306e\u5c55\u958b\u3092\u4fc3\u3059\u3053\u3068\u3092\u76ee\u7684\u306b\u3057\u3066\u3044\u308b\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u30ce\u30f3\u30d0\u30f3\u30af\u4e8b\u696d\u4f53\uff08\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3001\u30a2\u30bb\u30c3\u30c8\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u4f1a\u793e\u7b49\uff09\u304c\u4e0d\u826f\u50b5\u6a29\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u53d6\u5f97\u3057\u3001\u8a8d\u53ef\u3092\u53d7\u3051\u305f\u7b2c\u4e09\u8005\u3092\u901a\u3058\u3066\u3001\u5c02\u9580\u5bb6\u3068\u3057\u3066\u306e\u50b5\u6a29\u7ba1\u7406\u3092\u884c\u3046\u3053\u3068\u3092\u53ef\u80fd\u3068\u3057\u305f\u3002<\/p>\n<p style=\"font-weight: 400; text-align: justify;\"><strong><em>\u9069\u7528\u7bc4\u56f2\u304a\u3088\u3073\u7bc4\u56f2\u306e\u62e1\u5927<\/em><\/strong><\/p>\n<p style=\"font-weight: 400; text-align: justify;\">\u672c\u4ef6\u6cd5\u6848\u306fEU\u50b5\u6a29\u6307\u4ee4\u306e\u4e3b\u8981\u306a\u8981\u7d20\u3092\u30b9\u30da\u30a4\u30f3\u56fd\u5185\u6cd5\u306b\u7f6e\u304d\u63db\u3048\u3066\u3044\u308b\u304c\u3001\u4ee5\u4e0b\u306b\u6319\u3052\u308b\u3044\u304f\u3064\u304b\u306e\u91cd\u8981\u306a\u70b9\u3067\u9069\u7528\u7bc4\u56f2\u3092\u62e1\u5927\u3057\u3066\u3044\u308b\u3002<\/p>\n<p style=\"font-weight: 400; text-align: justify; padding-left: 40px;\">&#8211; \u9280\u884c\u7b49\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u52a0\u3048\u3001\u8a3c\u5238\u5316\u306e\u5bfe\u8c61\u3068\u306a\u308b\u50b5\u6a29\u3092\u4fdd\u6709\u3057\u3066\u3044\u308b\u30aa\u30ea\u30b8\u30cd\u30fc\u30bf\u30fc\u3068\u3057\u3066\u901a\u79f0\u30b9\u30da\u30a4\u30f3\u3067EFC\u3068\u547c\u3070\u308c\u308b\u30ab\u30fc\u30c9\u4f1a\u793e\u3084\u30ea\u30fc\u30b9\u4f1a\u793e\u3068\u3044\u3063\u305f\u30af\u30ec\u30b8\u30c3\u30c8\u6a5f\u95a2\u3082\u542b\u307e\u308c\u308b\u3002<\/p>\n<p style=\"font-weight: 400; text-align: justify; padding-left: 40px;\">-\u30b9\u30da\u30a4\u30f3\u9280\u884c\u306f\u3001\u50b5\u6a29\u7ba1\u7406\u696d\u52d9\u3092\u8a8d\u53ef\u5bfe\u8c61\u3068\u306a\u308b\u65b0\u696d\u52d9\u3068\u3057\u3066\u898f\u5236\u3059\u308b\u3002<\/p>\n<p style=\"font-weight: 400; text-align: justify; padding-left: 40px;\">&#8211; \u7279\u5b9a\u30b1\u30fc\u30b9\u306e\u8fd4\u6e08\u8a08\u753b\u306e\u63d0\u793a\u7b49\u3001\u6b27\u5dde\u306e\u7acb\u6cd5\u5e9c\u304c\u6c42\u3081\u308b\u4ee5\u4e0a\u306e\u50b5\u52d9\u8005\u4fdd\u8b77\u7fa9\u52d9\u3092\u8ffd\u52a0\u3059\u308b\u3002<\/p>\n<p style=\"font-weight: 400; text-align: justify;\"><strong><em>\u672c\u4ef6\u6cd5\u6848\u306e\u4e3b\u306a\u65b0\u898f\u4e8b\u9805<\/em><\/strong><\/p>\n<ol>\n<li style=\"font-weight: 400; text-align: justify;\"><em>\u50b5\u6a29\u7ba1\u7406\u8005\uff08\u82f1\u8a9e\u3067<\/em><em>credit servicer<\/em><em>\uff09\u3068\u306f<\/em><\/li>\n<\/ol>\n<p style=\"font-weight: 400; text-align: justify;\">\u50b5\u6a29\u7ba1\u7406\u8005\/\u30b5\u30fc\u30d3\u30b5\u30fc\u3068\u306f\u3001\u50b5\u6a29\u8cfc\u5165\u8005\u306b\u4ee3\u308f\u3063\u3066\u3001\u50b5\u6a29\u306e\u7ba1\u7406\uff08\u56de\u53ce\u3001\u518d\u4ea4\u6e09\u3001\u5f37\u5236\u57f7\u884c\u3092\u542b\u3080\uff09\u306b\u8cac\u4efb\u3092\u8ca0\u3046\u6cd5\u4eba\u3001\u3064\u307e\u308a\u50b5\u6a29\u56de\u53ce\u4f1a\u793e\u3092\u6307\u3059\u3002\u696d\u52d9\u3092\u9042\u884c\u306b\u306f\u3001\u30b9\u30da\u30a4\u30f3\u9280\u884c\u304b\u3089\u8a8d\u53ef\u53d6\u5f97\u3057\u3001\u7279\u5b9a\u306e\u767b\u9332\u7c3f\u306b\u767b\u9332\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u3002<\/p>\n<p style=\"font-weight: 400; text-align: justify;\">\u5f53\u8a72\u8a8d\u53ef\u306f\u3001\u65e2\u306b\u8a8d\u53ef\u53d6\u5f97\u6e08\u307f\u6cd5\u4eba\uff08\u9280\u884c\u3001EFC\u7b49\uff09\u306e\u81ea\u793e\u50b5\u6a29\u51e6\u7406\u306e\u5834\u5408\u306b\u306f\u5fc5\u8981\u306a\u3044\u3002\u3057\u304b\u3057\u3001\u7b2c\u4e09\u8005\u306b\u3088\u308b\u8cfc\u5165\u50b5\u6a29\u7ba1\u7406\u53ca\u3073NPL\u56de\u53ce\u6d3b\u52d5\u3092\u5c02\u9580\u30fb\u7d44\u7e54\u5316\u3059\u308b\u6cd5\u4eba\u306b\u306f\u5fc5\u9808\u3068\u306a\u308b\u3002<\/p>\n<ol style=\"text-align: justify;\" start=\"2\">\n<li style=\"font-weight: 400;\"><em>\u50b5\u6a29\u7ba1\u7406\u8005\u306e\u9078\u4efb\u7fa9\u52d9<\/em><\/li>\n<\/ol>\n<p style=\"font-weight: 400; text-align: justify;\">\u4e0d\u826f\u50b5\u6a29\u8cfc\u5165\u8005\u304c\u91d1\u878d\u6a5f\u95a2\u307e\u305f\u306fEFC\u3067\u306a\u304f\u3001\u3055\u3089\u306b\u50b5\u52d9\u8005\u304c\u81ea\u7136\u4eba\u3001\u96f6\u7d30\u3082\u3057\u304f\u306f\u4e2d\u5c0f\u4f01\u696d\u3067\u3042\u308b\u5834\u5408\u3001\u50b5\u52d9\u8005\u3068\u306e\u9069\u5207\u306a\u95a2\u4fc2\u306e\u78ba\u4fdd\u306e\u305f\u3081\u306b\u3001\u8a8d\u53ef\u3092\u6709\u3059\u50b5\u6a29\u7ba1\u7406\u8005\u3092\u9078\u4efb\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3002\u672c\u8981\u4ef6\u306f\u3001\u30b9\u30bf\u30f3\u30c0\u30fc\u30c9\u306a\u898f\u5236\u3068\u76e3\u7763\u306e\u5bfe\u8c61\u4e8b\u696d\u4f53\u306b\u3088\u3063\u3066\u6700\u8106\u5f31\u306a\u50b5\u52d9\u8005\u3092\u4fdd\u8a3c\u3059\u308b\u3053\u3068\u3092\u76ee\u7684\u3068\u3059\u308b\u3002<\/p>\n<ol style=\"text-align: justify;\" start=\"3\">\n<li style=\"font-weight: 400;\"><em>\u50b5\u52d9\u8005\u901a\u77e5\u3068\u4fdd\u8b77\u7fa9\u52d9<\/em><\/li>\n<\/ol>\n<p style=\"font-weight: 400; text-align: justify;\">\u672c\u4ef6\u6cd5\u6848\u306f\u3001\u50b5\u52d9\u8005\u306b\u5bfe\u3057\u3044\u304b\u306a\u308b\u56de\u53ce\u884c\u70ba\u3092\u5b9f\u884c\u3059\u308b\u524d\u306b\u3001\u65b0\u50b5\u6a29\u8005\u53ca\u3073\u9078\u4efb\u3055\u308c\u305f\u7ba1\u7406\u8005\u306e\u8eab\u5143\u3092\u542b\u3080\u50b5\u6a29\u8b72\u6e21\u306e\u901a\u77e5\u7fa9\u52d9\u3092\u5b9a\u3081\u3066\u3044\u308b\u3002<\/p>\n<p style=\"font-weight: 400; text-align: 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class=\"post-content\">\n<p>&nbsp;<\/p>\n<p>\u3088\u308a\u8a73\u7d30\u306a\u60c5\u5831\u306b\u3064\u304d\u307e\u3057\u3066\u306f\u4e0b\u8a18\u307e\u3067\u3054\u9023\u7d61\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"mailto:va@vila.es\">va@vila.es<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>2025\u5e744\u67084\u65e5<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>ES|EN|\u65e5\u672c\u8a9e \u6ede\u7559\u50b5\u6a29\u3068\u898f\u5236 2025\u5e743\u670814\u65e5\u4ed8\u306b\u3066\u3001\u6b27\u5dde\u8b70\u4f1a\u6307\u4ee4\u7b2c2021\/2167\u53f7\uff08\u4ee5\u4e0b\u300cEU  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