Analysis of the impact and regulation of harmful financial products

有害金融产品的影响及监管分析

• 批准号: LP160100082
• 负责人: A/Prof Paul Ali
• 金额: $ 43.12万
• 依托单位: The University of Melbourne
• 依托单位国家: 澳大利亚
• 项目类别: Linkage Projects
• 财政年份: 2016
• 资助国家: 澳大利亚
• 起止时间: 2016-12-12 至 2023-12-11
• 项目状态: 已结题
• 来源: https://dataportal.arc.gov.au/RGS/Web/Grants/LP160100082
• 关键词: Analysis; impact; regulation; harmful; financial

Analysis of the impact and regulation of harmful financial products. This project will investigate financial products that can harm disadvantaged and vulnerable consumers. It will use empirical research (surveys, interviews and focus groups) to explore how these products perpetuate financial hardship, poor health and social disadvantage. In doing so, it expects to contribute to consumer law scholarship and studies of financial exclusion, and provide practical assistance to policymakers, regulators and the partner organisations. The project will also assess the need for law reform, and, if appropriate, recommend detailed law reforms. The research is expected to help policymakers address damage caused by harmful and predatory financial products and promote the financial and social wellbeing of vulnerable, disadvantaged consumers.

分析有害金融产品的影响和监管。该项目将调查可能伤害弱势和脆弱消费者的金融产品。它将使用实证研究（调查，访谈和焦点小组）来探讨这些产品如何使经济困难，健康状况不佳和社会劣势永久化。在这样做的时候，它希望有助于消费者法律奖学金和金融排斥研究，并为政策制定者，监管机构和伙伴组织提供实际援助。该项目还将评估法律改革的必要性，并酌情提出详细的法律改革建议。该研究预计将帮助政策制定者解决有害和掠夺性金融产品造成的损害，并促进弱势消费者的金融和社会福祉。