Analysis of the impact and regulation of harmful financial products

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不利地位永久化。在此过程中，它希望为消费者法学术研究和金融排斥研究做出贡献，并为政策制定者、监管机构和合作组织提供实际帮助。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。这项研究有望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。

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.