As the SARB’s September 2013 Financial Stability Review shows, households have used low rates to increase their debts, driving the ratio of debt to disposable income to almost 76%. The number of consumers with impaired credit records has climbed steadily since 2008, to nearly half the total.
Promoting the implementation of micro credit policy relies on the following five aspects:  1. Improve risk-sharing and compensatory mechanism for micro credit; effectively streamline loan guarantee and approval procedures. The core issue of enlarging micro credit extension is to ensure risk compensation.