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首页> 外文期刊>Risk Governance & Control: Financial Markets & Institutions >IMPLEMENTATION OF SOUTH AFRICAN NATIONAL CREDIT ACT AND ITS IMPACT ON HOME LOANS MARKET: THE CASE OF FIRST NATIONAL BANK
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IMPLEMENTATION OF SOUTH AFRICAN NATIONAL CREDIT ACT AND ITS IMPACT ON HOME LOANS MARKET: THE CASE OF FIRST NATIONAL BANK

机译：南非国家信贷法的实施及其对房屋贷款市场的影响：以第一家国家银行为例

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Since it has been observed that credit granting is a serious problem across the entire credit market, South Africa introduced National Credit Act 34 of 2005 in order to regulate the credit industry and protect credit consumers from becoming over-indebted. The study highlights and examines the implementation of the Act in relation to the South African home loans market, focussing on First National Bank home loans portfolio. The study documents that the current state of consumer indebtedness shows that both credit institutions and consumers were responsible for over extending retail credit. The study noticed that credit industry has significantly managed to regulate the retail credit through the implementation of the Act. Furthermore, the study finds that a new stakeholder such as a debt counsellor has been introduced into the retail credit value chain for debt counselling for over-indebted clients. However, the study recommends that internal forums within banks as well as industry-wide forums should be used in order to ensure that the implementation of a regulation that impacts the entire credit industry is implemented with all stakeholders to limit any possible misinterpretation of key sections of a new regulation.
机译：由于已经观察到信贷授予是整个信贷市场中的一个严重问题，因此南非制定了2005年的《国家信贷法》 34，以规范信贷行业并保护信贷消费者免于过度负债。该研究突出并审查了该法在南非住房贷款市场方面的执行情况，重点是第一国民银行住房贷款组合。该研究表明，当前的消费者债务状况表明，信贷机构和消费者都应对零售信贷的过度扩张负责。该研究注意到，信贷行业通过实施该法案已在很大程度上成功地规范了零售信贷。此外，研究发现，零售信贷价值链中引入了新的利益相关者，例如债务顾问，以为过度负债的客户提供债务咨询。但是，该研究建议应使用银行内部的内部论坛以及整个行业的论坛，以确保与所有利益相关者一起实施影响整个信贷行业的法规，以限制对关键部分的误解。新规定。

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