Although the prospect of this amendment, which is based on political considerations, may be greeted with cheers from Taiwan's 500,000 card debtors, it has also raised concerns that it may derail financial liberalization, with serious repercussions. For example, faced with higher risk, banks could cut back on credit all round, forcing people who really need loans to turn to loan sharks with questionable collection methods.
基於政治考量的修法動作也許讓 50 萬名卡債族歡聲雷動，但也引發開金融自由化倒車的疑慮，甚至衍生更大後遺症，譬如銀行一旦因風險增高而全面緊縮信用，真正有資金需求的人將借貸無門，可能轉向地下錢莊，而黑道逼債可是沒有一套協商機制的。