澳大利亚的政策措施.pptVIP

WHAT IS CONSUMER CREDIT?何谓消费者信贷？ AUSTRALIA’S SYSTEM OF GOVERNMENT 澳大利亚的政府系统 UNIFORM CONSUMER CREDIT CODE 统一消费者信贷代码 Inconsistent throughout Australia 在澳大利亚境内不统一 NATIONAL CONSUMER CREDIT PROTECTION LAW 全国消费者信贷保护法 One single, national, standard system 全国性的、统一的系统 THE TWO PRINCIPLES BEHIND THE NEW LAW 新法律之下的两个原则 Responsible lending 负责任的借贷 RESPONSIBLE LENDING 负责任的借贷 Obligations on lenders 对于借贷者的责任限定 CONSUMER PROTECTION 消费者保护 Applies to all credit providers, including brokers and advisors 适用于所有的信贷供应商，包括经纪人和顾问 INDEPENDENT DISPUTE RESOLUTION 独立的调解纠纷 Quick and inexpensive 快捷、费用适中 PHASE 2 IMPLEMENTATION第二步：实施 To consider specific unfavourable lending practices: 考虑特定的、不利的借贷 Unsolicited extension of credit limits 贷方主动提高信贷额度 Deceptive or misleading advertising 虚假或者具有误导性的广告 Reverse mortgages 反向按揭 （即为房屋所有人将房屋抵押给银行，从而取得贷款的方式） PHASE 2 IMPLEMENTATION 第二步：实施 FINANCIAL LITERACY识别金融用语 Giving consumers the skills, knowledge and confidence to deal with money 赋予消费者金钱交易中所需的技巧、知识和信心 CONCLUSION 结论 A fair marketplace for all Australians 对于所有澳大利亚人都公平的市场系统 * “Consumer credit” – credit that banks, financial institutions, and shops give to customers to buy goods (for example, mortgages, loans, credit cards) 消费者信贷 - 即为银行、金融机构和商店赋予消费者购买商品所用的信贷工具（例如按揭、贷款、信用卡） Federated system of government 具有联盟性质的政府系统 Six States and two Territories 六个州和两个领地 In some areas, like consumer credit, there is an overlap of responsibilities between Federal and State governments 在某些领域，比如在消费者信贷的问题上， 联邦政府和州政府之间有重叠的职责 Does not cover newer, and more complex, credit products 没有覆盖新兴的、更为复杂的信贷产品 Confusing and inefficient 混乱、效率不高 Covers all forms of consumer lending, and all credit providers 涵盖了所有形式的消费者借贷和所有的信贷供应商 Consumer protection 消费者保护 Must provide credit services honestly, fairly and responsibly 必须提供诚实、公平和负责任的借贷服务 Loans must not be unsuitable for the client 贷款项目对于消费者不应该是不适用的 Clients must have a capacity to repay the loan 客户必须有偿还贷款的能力 All credit providers must lic