在对以多重债务人问题为中心的消费信贷的强烈批判的背景下,2006年日本对《贷款业规制法》进行了修改,彻底取消了一再成为被批判对象的所谓灰色利息(随意设定且上下浮动的利息)。一方面是由于对在这个贫富差距扩大的社会里,以消费金融业的大企业为中心的公司利用“商务模式” Against the backdrop of strong criticism of consumer credit centered on multiple debtors issues, Japan amended its Regulation of Loan Industry in 2006 by completely eliminating the so-called gray interest that has repeatedly become the object of criticism (arbitrarily set and up and down Floating interest). On the one hand, in the society where the gap between the rich and the poor is widening, the companies focusing on large enterprises in the consumer finance industry make use of the “business model”