How do we ensure responsible lending and borrowing?

我们FinCris关于中低收入个人消费信贷的“负责任的借贷”研究非常及时。这一影响和参与的建议旨在从研究中产生比最初申请时不可预见的更大的影响，这是由于消费信贷和福利改革的意外监管改革，这对消费信贷格局产生了影响，并导致辩论的性质迅速变化。我们将与负担得起的信贷的贷款人，特别是英国信用合作社部门，ABCUL，ACE和伯明翰的Citysave信用合作社合作，制定创新和创造性的战略，通过以下方式提高负责任的贷款水平：1。英国信用合作社会议研讨会-我们将根据我们的研究结果共同制作材料，以便他们理解和支持其成员之间的负责任的借款，以产生项目以外的长期影响。2.支持信用社工作人员和董事会成员在更广泛的信用社范围内负责任的借贷挑战方面的培训。在澳大利亚和英国的负责任信贷背景下，为主要监管机构、从业人员和政策制定者举办关于负责任借贷的知识交流活动，以分享消费信贷监管改革的经验，并为中低收入社区获得负担得起的信贷提供便利。因此，这一项目非常及时和相关，可以挑战关于负责任的借贷的公共辩论。该项目将通过信用社网络和借贷领域的主要利益攸关方，特别是政策制定者和监管机构，为这些辩论提供信息，这将对信用社成员和借款人产生重大影响。

Our FinCris 'responsible lending and borrowing' research on consumer credit for low-to-moderate income individuals, has been extremely timely. This proposal for impact and engagement is designed to create greater impact from the research than was unforeseen at the time of the original application due to unexpected regulatory reforms to consumer credit and welfare reforms, which have impacted on the consumer credit landscape and led to fast changing nature of the debates. We will work with lenders of affordable credit, specifically the UK Credit Union sector, ABCUL, ACE and Birmingham based Citysave Credit Union to develop innovative and creative strategies for improving the level of responsible lending through:1. Workshops at UK Credit Union conferences - we will co-produce materials based on our research findings in order for them to understand and support responsible borrowing amongst their members for longer-term impact beyond the project. 2. Supporting Credit Union staff and board member training in the challenges for responsible lending and borrowing within the broader credit landscape.3. Facilitating knowledge exchange events on responsible lending and borrowing for key regulators, practitioners, and policymakers within responsible credit in the Australian and UK context to share experiences of consumer credit regulatory reform, and facilitating access to affordable credit for low to moderate income communities. This project is therefore extremely timely and relevant to challenge public debates on responsible lending and borrowing. The project will feed into these debates via the Credit Union network and key stakeholders within the lending and borrowing space, particularly policymakers and regulators which will make a significant impact upon credit union members and borrowers.