A Consumer Bankruptcy Project - an interdisciplinary empiric inquiry into determinants and impacts of bankruptcy upon Australian debtors

该研究将通过更好地了解破产债务人的概况，个人违约的原因以及监管框架对所有利益相关者的影响，从而提高澳大利亚社会的福祉。它将借鉴美国的趋势，并将跨学科的经验方法应用于澳大利亚的个人破产数据。这项研究将引发一场关于影响所有澳大利亚人身体和物质健康的金融知识、资金管理和自费退休等关键问题的知情辩论。该项目促进减少财政困难和依赖，协助努力将人口老龄化带来的经济负担风险从英联邦转移出去。

The research will enhance the wellbeing of Australian society by obtaining a better understanding of the profile of bankrupt debtors, the reasons for personal default and the impact of the regulatory framework upon all stakeholders. It will draw parallels with US trends and apply an interdisciplinary empiric method to Australian personal insolvency data. The research will lead to an informed debate around critical wider issues such as financial literacy, managing money and self-funded retirement that impact upon the physical and material health of all Australians. The project promotes the reduction of financial distress and dependence in assisting efforts to shift the risk of economic burden of an ageing population from the Commonwealth.