Perspectives on the South African Responsible Lending Regime and the Duty to Conduct Pre‐agreement Assessment as a Responsible Lending Practice

@article{Heerden2015PerspectivesOT,
  title={Perspectives on the South African Responsible Lending Regime and the Duty to Conduct Pre‐agreement Assessment as a Responsible Lending Practice},
  author={Corlia van Heerden and Stefan Renke},
  journal={International Insolvency Review},
  year={2015},
  volume={24},
  pages={67-95}
}
In the 2001 INSOL International Consumer Debt Report: Report of Findings and Recommendations, the view was held that the solution to overspending and over-indebtedness is inter alia to be found in the idea that prevention is better than cure. Ex ante responsible lending practices as preventative measures to avoid reckless credit granting and over-indebtedness are arguably more important tools in establishing a healthy credit market than ex post measures. The focus of this contribution, is… 
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