{"id":1195,"date":"2019-08-13T14:22:10","date_gmt":"2019-08-13T04:22:10","guid":{"rendered":"https:\/\/schambers.com.au\/?p=1195"},"modified":"2019-08-15T14:24:47","modified_gmt":"2019-08-15T04:24:47","slug":"%e9%93%b6%e8%a1%8c%e5%80%9f%e4%ba%86%e9%92%b1%e8%bf%98%e8%a6%81%e5%af%b9%e4%bd%a0%e8%b4%9f%e8%b4%a3%ef%bc%9f%e6%b5%85%e8%b0%88%e6%be%b3%e6%b4%b2%e7%89%b9%e6%9c%89%e7%9a%84%e8%b4%a3%e4%bb%bb%e6%94%be","status":"publish","type":"post","link":"https:\/\/schambers.com.au\/zh-hans\/2019\/08\/13\/%e9%93%b6%e8%a1%8c%e5%80%9f%e4%ba%86%e9%92%b1%e8%bf%98%e8%a6%81%e5%af%b9%e4%bd%a0%e8%b4%9f%e8%b4%a3%ef%bc%9f%e6%b5%85%e8%b0%88%e6%be%b3%e6%b4%b2%e7%89%b9%e6%9c%89%e7%9a%84%e8%b4%a3%e4%bb%bb%e6%94%be\/","title":{"rendered":"\u94f6\u884c\u501f\u4e86\u94b1\u8fd8\u8981\u5bf9\u4f60\u8d1f\u8d23\uff1f\u6d45\u8c08\u6fb3\u6d32\u7279\u6709\u7684\u8d23\u4efb\u653e\u8d37\u5236\u5ea6"},"content":{"rendered":"

\u738b\u9053\u8d22\u5f8b\u5e08 13\/8\/2019<\/p>\n

\u5728\u4e2d\u56fd\u7684\u6587\u5316\u80cc\u666f\u91cc\uff0c\u51fa\u501f\u65b9\u5bf9\u501f\u6b3e\u65b9\u662f\u4e0d\u627f\u62c5\u4efb\u4f55\u4e49\u52a1\u7684\uff0c\u66f4\u4e0d\u5fc5\u8bf4\u501f\u6b3e\u65b9\u503a\u52a1\u507f\u8fd8\u4e0d\u4e0a\u65f6\u8fd8\u8981\u8ffd\u7a76\u51fa\u501f\u65b9\u7684\u8d23\u4efb\u3002\u7136\u800c\u5728\u6fb3\u6d32\uff0c\u60c5\u51b5\u53ef\u80fd\u662f\u622a\u7136\u76f8\u53cd\u7684\u3002<\/p>\n

ASIC<\/strong>\u7684\u8d25\u8bc9<\/strong><\/p>\n

\u8fd1\u65e5\uff0c\u6fb3\u5927\u5229\u4e9a\u8054\u90a6\u6cd5\u9662\u6b63\u5f0f\u9a73\u56de\u4e86ASIC\uff08\u6fb3\u5927\u5229\u4e9a\u8bc1\u5238\u6295\u8d44\u59d4\u5458\u4f1a\uff09\u5bf9Westpac\u94f6\u884c\u63d0\u51fa\u7684\u8d77\u8bc9\uff0c\u5224\u5b9a\u901a\u8fc7\u81ea\u52a8\u5316\u7a0b\u5e8f\u6279\u51c6\u8d37\u6b3e\u7533\u8bf7\u5e76\u6ca1\u6709\u8fdd\u53cd\u8d23\u4efb\u8d37\u6b3e\u6cd5\u89c4\uff08Responding Lending Laws\uff09\u3002\u6b64\u524d\uff0cASIC\u6307\u63a7Westpac\u8fdd\u53cd\u4e86\u76f8\u5173\u6cd5\u89c4\uff0c\u5728\u6ca1\u6709\u5c3d\u5230\u9488\u5bf9\u4e2a\u4eba\u8d37\u6b3e\u8005\u8fdb\u884c\u4e2a\u522b\u8bc4\u4f30\u7684\u60c5\u51b5\u4e0b\uff0c\u4ec5\u901a\u8fc7\u4e00\u4e2a\u81ea\u52a8\u5316\u8bc4\u4f30\u6807\u51c6\u5c31\u6279\u51c6\u4e86262,000\u4e2a\u4f4f\u623f\u8d37\u6b3e\u7533\u8bf7\u3002<\/p>\n

\"\"<\/p>\n

\u8d23\u4efb\u8d37\u6b3e\uff08<\/strong>Responsible Lending<\/strong>\uff09\u7a76\u7adf\u662f\u4ec0\u4e48\uff1f<\/strong><\/p>\n

\u6309\u7167\u6fb3\u5927\u5229\u4e9a\u4fe1\u8d37\u6d88\u8d39\u4fdd\u62a4\u6cd5\uff08National Consumer Credit Protetion Act 2009\uff09\uff0c\u8d23\u4efb\u8d37\u6b3e\u5236\u5ea6\u7981\u6b62\u501f\u8d37\u673a\u6784\u4e0e\u201c\u4e0d\u7b26\u5408\u6807\u51c6\u201d\u7684\u6d88\u8d39\u8005\u7b7e\u7f72\u4fe1\u8d37\u5408\u540c\u3002Regulatory Guide 209\u00a0\u89c4\u5b9a\uff0c\u4fe1\u8d37\u673a\u6784\u6709\u8d23\u4efb\u4e3b\u52a8\u91c7\u53d6\u5408\u7406\u6b65\u9aa4\u5bf9\u501f\u8d37\u8005\u7684\u7ecf\u6d4e\u60c5\u51b5\u8fdb\u884c\u6838\u5b9e\uff0c\u4ee5\u8bc4\u4f30\u501f\u8d37\u8005\u662f\u5426\u7b26\u5408\u6807\u51c6\u3002<\/p>\n

\u8fd1\u65e5\uff0cASIC\u63d0\u51fa\u6216\u5c06\u8fdb\u4e00\u6b65\u52a0\u5f3a\u5bf9\u8d23\u4efb\u8d37\u6b3e\u7684\u76d1\u7ba1\uff0c\u6566\u4fc3\u94f6\u884c\u5bf9\u501f\u6b3e\u7533\u8bf7\u8005\u7684\u4e2a\u4eba\u60c5\u51b5\u8fdb\u884c\u66f4\u5168\u9762\u66f4\u6df1\u5165\u7684\u5ba1\u67e5\u8bc4\u4f30\uff0c\u5728\u6b64\u57fa\u7840\u4e0a\u505a\u51fa\u501f\u6b3e\u51b3\u5b9a\u3002\u8fd9\u9879\u5efa\u8bae\u6700\u521d\u7531\u7687\u5bb6\u91d1\u878d\u8c03\u67e5\u59d4\u5458\u4f1a\u63d0\u51fa\uff0c\u5373\u501f\u8d37\u673a\u6784\u5e94\u8be5\u4e3a\u4e2a\u4eba\u7533\u8bf7\u8d37\u6b3e\u8005\u8d1f\u8d77\u66f4\u5927\u7684\u8d23\u4efb\uff0c\u5982\u4e3b\u52a8\u67e5\u8be2\u4e0e\u6838\u5b9e\u7533\u8bf7\u8005\u7684\u4e2a\u4eba\u4fe1\u606f\uff0c\u5c06\u7533\u8bf7\u8005\u7684\u4e2a\u4eba\u51b3\u5b9a\u7eb3\u5165\u8003\u91cf\uff0c\u4e3b\u52a8\u5e2e\u52a9\u7533\u8bf7\u8005\u53d1\u73b0\u6f5c\u5728\u95ee\u9898\uff0c\u4ee5\u6b64\u505a\u51fa\u662f\u5426\u8d37\u6b3e\u7684\u51b3\u5b9a\u6216\u8c03\u6574\u8d37\u6b3e\u989d\u5ea6\u3002<\/p>\n

\"\"<\/p>\n

\u516c\u4f17\u542c\u8bc1\u4f1a\u4e0e\u94f6\u884c\u7684\u53cd\u51fb<\/strong><\/p>\n

ASIC\u4e8e\u672c\u5468\u548c\u4e0b\u5468\u5728\u6089\u5c3c\u3001\u58a8\u5c14\u672c\u6b63\u5f0f\u4e3e\u884c\u516c\u4f17\u542c\u8bc1\u4f1a\uff0c\u65e8\u5728\u4e0e\u53c2\u4f1a\u8005\u5171\u540c\u63a2\u8ba8\u5236\u5b9a\u4e0b\u4e00\u6b65\u7684\u8d23\u4efb\u8d37\u6b3e\u76d1\u7ba1\u89c4\u5b9a\u3002Commonwealth\u4e0eWestpac\u4e24\u5bb6\u6fb3\u6d32\u6700\u5927\u94f6\u884c\u5728\u4e0eASIC\uff08\u6fb3\u5927\u5229\u4e9a\u8bc1\u5238\u6295\u8d44\u59d4\u5458\u4f1a\uff09\u5c31\u540e\u8005\u9488\u5bf9\u8d23\u4efb\u8d37\u6b3e\u52a0\u5f3a\u5bf9\u501f\u8d37\u673a\u6784\u65bd\u7684\u76d1\u7ba1\u63d0\u51fa\u4e86\u53cd\u5bf9\u610f\u89c1\u3002<\/p>\n

\u94f6\u884c\u8ba4\u4e3a\uff0c\u8fd9\u79cd\u884c\u4e3a\u662f\u4e00\u79cd\u8fc7\u5ea6\u76d1\u7ba1\uff0c\u5373\u76d1\u7ba1\u673a\u6784\u4ece\u501f\u8d37\u673a\u6784\u624b\u4e2d\u62ff\u8d70\u672c\u5c5e\u4e8e\u540e\u8005\u7684\u81ea\u7531\u88c1\u91cf\u7a7a\u95f4\uff1b\u5404\u4e2a\u91d1\u878d\u673a\u6784\u5e94\u8be5\u5728\u9075\u4ece\u652f\u914d\u6027\u539f\u5219\u7684\u57fa\u7840\u4e0a\uff0c\u6709\u5176\u5404\u81ea\u9002\u5e94\u81ea\u8eab\u60c5\u51b5\u7684\u501f\u8d37\u653f\u7b56\uff0c\u624d\u80fd\u5b9e\u73b0\u4e00\u4e2a\u591a\u5143\u3001\u9ad8\u6548\u548c\u5bcc\u6709\u7ade\u4e89\u529b\u7684\u5e02\u573a\u3002\u540c\u65f6\uff0c\u8fd9\u79cd\u5bf9\u4e2a\u4eba\u7ecf\u6d4e\u60c5\u51b5\u7684\u6df1\u5165\u5ba1\u67e5\u548c\u8bc4\u4f30\u4f1a\u7ed9\u501f\u8d37\u673a\u6784\u9020\u6210\u8fdb\u4e00\u6b65\u7684\u8d1f\u62c5\uff1a\u8bb8\u591a\u94f6\u884c\u65e0\u6cd5\u9884\u4f30\u7684\u56e0\u7d20\u53ef\u80fd\u6781\u5927\u5f71\u54cd\u501f\u6b3e\u4eba\u7684\u507f\u8d37\u80fd\u529b\uff0c\u4f8b\u5982\u5931\u4e1a\u3001\u6000\u5b55\u3001\u751f\u75c5\u3001\u79bb\u5a5a\u7b49\u7b49\u3002\u94f6\u884c\u96be\u4ee5\u91cf\u5316\u8fd9\u4e9b\u4e0d\u53ef\u63a7\u56e0\u7d20\uff0c\u53ea\u80fd\u964d\u4f4e\u98ce\u9669\uff0c\u52a0\u5927\u94f6\u884c\u8d37\u6b3e\u96be\u5ea6\uff0c\u8fd9\u4e5f\u5c06\u5f71\u54cd\u5230\u6d88\u8d39\u8005\u672c\u8eab\u7684\u5229\u76ca\u3002<\/p>\n

\u8bc4\u8bba<\/strong>:\u00a0<\/strong>\u5bf9\u4e8e\u4f4f\u623f\u5e02\u573a\u548c\u6574\u4f53\u7ecf\u6d4e\u7684\u5f71\u54cd<\/strong><\/p>\n

AISC\u00a0\u52a0\u5f3a\u8d23\u4efb\u501f\u8d37\u76d1\u7ba1\u7684\u7ed3\u679c\uff0c\u5f88\u53ef\u80fd\u4e0e\u4e2d\u592e\u94f6\u884c\u8fd1\u671f\u7684\u4e24\u6b21\u964d\u606f\u6240\u671f\u671b\u8fbe\u5230\u7684\u523a\u6fc0\u623f\u5e02\u4e43\u81f3\u6574\u4f53\u7ecf\u6d4e\u589e\u957f\u7684\u76ee\u6807\u76f8\u5de6\u3002\u5982\u679cASIC\u52a0\u5927\u76d1\u7ba1\u8981\u6c42\uff0c\u8d37\u6b3e\u96be\u5ea6\u7684\u589e\u52a0\u5c06\u4f7f\u4eba\u4eec\u66f4\u96be\u501f\u5230\u94b1\uff0c\u6574\u4e2a\u8d44\u91d1\u56de\u6d41\u5e02\u573a\u7684\u901f\u5ea6\u5c06\u4f1a\u51cf\u6162\u3002\u5bf9\u4e8e\u4e2a\u4f53\u6295\u8d44\u8005\u6765\u8bf4\uff0c\u8981\u60f3\u8fbe\u5230\u94f6\u884c\u6279\u51c6\u8d37\u6b3e\u7684\u8981\u6c42\uff0c\u53ef\u80fd\u9700\u8981\u66f4\u957f\u671f\u7684\u50a8\u84c4\u8bb0\u5f55\uff1b\u800c\u8fd9\u4f1a\u9020\u6210\u8bb8\u591a\u9996\u6b21\u7f6e\u4e1a\u8005\u5ef6\u540e\u7f6e\u4e1a\u65f6\u95f4\uff0c\u81f4\u4f7f\u5728\u623f\u5e02\u56de\u6696\u7684\u60c5\u51b5\u4e0b\uff0c\u4f5c\u4e3a\u6d88\u8d39\u8005\u7684\u4e2a\u4eba\u5229\u76ca\u53d7\u5230\u635f\u5931\u3002<\/p>\n

\u5bf9\u4e8e\u60f3\u8981\u6df1\u5165\u4e86\u89e3\u8be5\u653f\u7b56\u52a8\u5411\u7684\u4e2a\u4f53\u7f6e\u4e1a\u8005\uff0c\u6b22\u8fce\u60a8\u5411\u6211\u4eec\u8fdb\u4e00\u6b65\u54a8\u8be2\u76f8\u5173\u95ee\u9898\uff0c\u6211\u4eec\u671f\u5f85\u4e0e\u60a8\u5206\u4eab\u6700\u4e13\u4e1a\u7684\u6cd5\u5f8b\u6d1e\u89c1\u3002<\/strong><\/em>\u6fb3\u5927\u5229\u4e9a\u9633\u5149\u6d77\u5bcc\u5f8b\u5e08\u4e8b\u52a1\u6240\u62e5\u6709\u7ecf\u9a8c\u4e30\u5bcc\u7684\u5f8b\u5e08\u56e2\u961f\uff0c\u6211\u4eec\u5c06\u4ee5\u7ef4\u62a4\u60a8\u7684\u6700\u5927\u5229\u76ca\u4e3a\u51fa\u53d1\u70b9\uff0c\u4e3a\u60a8\u63d0\u4f9b\u53ef\u9760\u4e14\u4e2a\u6027\u5316\u7684\u89e3\u51b3\u65b9\u6848\uff0c\u4ee5\u6700\u5408\u7406\u7684\u8d39\u7528\u53d6\u5f97\u5c3d\u53ef\u80fd\u6700\u597d\u7684\u7ed3\u679c\u3002<\/strong><\/em><\/p>\n

\u6d89\u6fb3\u6cd5\u5f8b\u95ee\u9898\u8bf7<\/strong>\u260e<\/strong>\ufe0f\u54a8\u8be2<\/strong><\/p>\n

\u54a8\u8be2\u7535\u8bdd<\/strong>:\u00a0\uff0b61 2 9267 1112<\/strong><\/p>\n

\u66f4\u591a\u8d44\u8baf\u8bf7\u5173\u6ce8\u516c\u4f17\u53f7<\/strong>\u00a0@\u9633\u5149\u6d77\u5bcc<\/strong><\/p>\n

\u957f\u6309\u626b\u63cf<\/strong>\u2b07<\/strong>\ufe0f\u4e8c\u7ef4\u7801<\/strong><\/p>\n

\"\"<\/p>\n","protected":false},"excerpt":{"rendered":"

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