Disparity of Consumers and Over-Indebtedness As A Situation of Hypervulnerability for A Re-Reading of Solvency Assessment Policy

• Autor: Alarcón Cañuta, Miguel Ángel
• Formato: artículo
• Fecha de Publicación: 2024
• Institución: Pontificia Universidad Católica del Perú
• Repositorio: Revistas - Pontificia Universidad Católica del Perú
• Lenguaje: español
• OAI Identifier: oai:revistaspuc:article/30033
• Enlace del recurso: http://revistas.pucp.edu.pe/index.php/derechopucp/article/view/30033
• Nivel de acceso: acceso abierto
• Materia: Types of consumers; Over-indebtedness; Hypervulnerability; Solvency assessment; Holism; Tipos de consumidores; Sobreendeudamiento; Hipervulnerabilidad; Evaluación de solvencia; Holismo

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.