During 1960 the way of life of "advanced consume, payment after" was prevailing in advanced states of United States, West Germany, Japan etc. They created "the public consume model" gradually. For translating finance business strategy, the salary-paid persons who have regular income become the customs of banks. The banks provide mass credit loan business. Because of large loaner, after comparing the profits and risks, the percent of profits surrender the financial institutes the hope of life. The consumers' credit is to loan the consumers money or goods by way of credit. The growth of baby wave become the main sources of consume and grieve financial system could design more concrete and grieve financial system could design more concrete and detailed hold the attitudes of consumers. The invention of plastic money following the break rough information enterprise, the consumers facing multifarious advertisement lost their self-judged ability. "The slave of credit card" became the signal of youth. They inactively ran away, this is, they did not pay the loan. The unpaid debt translated to under table financial corporation and consumers became their fat sheep. The relationship of debt became the detriment of their life. The social cost arose and extended. The public authority should involve to resolving it and became the major core of executive. To the bankrupted or being bankrupt consumers who have become "the slave of card", "the slave of debt" lost their basis of human dignity. How to formulate the law system and legislate the "safeguard of institutional" promoting the constitutional "function of protection", assured the consumers were able to save from the condition of debt slave because they worked hard to reconstruct their financial position and recover the human dignity life pressingly. The article first discusses the basis of the settlement of consumer debt theory. Thereafter it introduces the legislation of United States, Japan and West Germany. The next step briefly expresses the history of "the settlement of consumer debt statutes". The forth part talks about the procedure of rehabilitation contents in 2008 focused upon the specifications and the amendments of 2009, 2011, and 2012. Specially the article introduces and discuss more deeply about the excuse clauses which are the precondition of rehabilitations. Whenever, the consumers rehabilitate. The reward can become the consumers' life basis, even create more happy life. The conclusion will provide some advices. 起始頁-結束頁:54-78 9 篇名:釋字550號解釋之法律經濟分析 並列篇名:The Economic Analysis of Constitutional Interpretation No.550 英文摘要:Since the enforcement of national health insurance in 1995, several constitution related issues have been raised. They were solved and interpreted by the justices from the Judicial Yuan on the basis of social welfare. According to the article 27 of the national health insurance law, the local government should subsidize the premium per rata. Taipei municipal Government asserted such pro rata distribution violated its constitutional right of autonomy, and filed a petition to the Grand Justices for constitutional interpretation. The Grand Justices set up the constitutional interpretation No.550 and found that the provision indispute didn't violate the constitutional law, and yet has been aroused extensive academic debate around researchers and scholars on the rightfulness of the interpretation. First of all, this article will intruduce to the readers the constitutional interpretation No.550, and the nature of the premium of the national health insurance thereon. Secondly, the article will indicate that the primary issue of interpretation No.550 is how to balance the interests of the system of the whole people health insurance and that of the autonomic right. On thebasis of the former explication of the legal concepts, this article will go futher to continues study the benefits and loses under separate system that the premium is completely subsidized by the central government and that which is jointly subsidized by the local and the central government per rata. This article will conclude that the former system is more efficient and more in comformity with constitutionally political responsibility.