How do we ensure responsible lending and borrowing?

我们针对中低收入个人消费信贷的金融危机“负责任的借贷”研究非常及时。本影响和参与提案旨在从研究中产生比最初申请时无法预见的更大的影响，因为消费者信贷和福利改革的意外监管改革影响了消费者信贷的格局，并导致辩论的性质迅速变化。我们将与负担得起的信贷机构合作，特别是英国信用合作社、ABCUL、ACE和总部位于伯明翰的城市储蓄信用合作社，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：英国信用合作社会议的研讨会-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负责任的借贷，以实现项目以外的长期影响。2. 支持对信用社员工和董事会成员进行培训，使他们了解在更广泛的信贷环境中负责任的借贷所面临的挑战。为澳大利亚和英国负责任信贷领域的主要监管机构、从业人员和政策制定者提供有关负责任贷款和借贷的知识交流活动，以分享消费信贷监管改革的经验，并为中低收入群体获得负担得起的信贷提供便利。因此，该项目对挑战有关负责任贷款和借款的公开辩论来说是非常及时和相关的。该项目将通过信用合作社网络和借贷领域的主要利益相关者，特别是政策制定者和监管机构，为这些辩论提供信息，这将对信用合作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.