The legal and social dimensions of financial hardship in Australia: Implications for legal, regulatory and policy frameworks

澳大利亚经济困难的法律和社会层面：对法律、监管和政策框架的影响

• 批准号: DP140101031
• 负责人: A/Prof Paul Ali
• 金额: $ 27.73万
• 依托单位: The University of Melbourne
• 依托单位国家: 澳大利亚
• 项目类别: Discovery Projects
• 财政年份: 2014
• 资助国家: 澳大利亚
• 起止时间: 2014-01-01 至 2018-10-17
• 项目状态: 已结题
• 来源: https://dataportal.arc.gov.au/RGS/Web/Grants/DP140101031
• 关键词: legal; social; dimensions; financial; hardship

Financial hardship, the reduced ability to meet monetary obligations because of loss of employment, illness or disaster, is an increasing problem for both low-income and middle-income Australians. This project is the first in-depth study of the practical operation of Australia’s financial hardship laws, which are designed to protect Australians suffering financial hardship. Major surveys will be undertaken of senior staff of financial dispute resolution schemes, financial counsellors, consumer solicitors and consumer advocates as well as persons suffering financial hardship. The project outcomes will include improvements to dispute resolution involving financial hardship and consumer advisory services, and potential law reform proposals.

由于失业、疾病或灾难，经济困难，即履行货币义务的能力下降，对低收入和中等收入的澳大利亚人来说都是一个日益严重的问题。该项目是对澳大利亚经济困难法实际运作情况的首次深入研究，该法旨在保护遭受经济困难的澳大利亚人。将对金融纠纷解决方案的高级工作人员、金融顾问、消费者律师和消费者维权者以及遭受经济困难的人进行重大调查。项目成果将包括改进涉及财务困难和消费者咨询服务的争议解决办法，以及可能的法律改革提案。