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| 美国的《社区再投资法》及其对中国欠发达地区的启示 | |
| 引用本文： | 孙天琦,杨岚,袁静文.美国的《社区再投资法》及其对中国欠发达地区的启示[J].西安交通大学学报(社会科学版),2011,31(4):21-25,42. |
| 作者姓名： | 孙天琦 杨岚 袁静文 |
| 作者单位： | 1. 西北大学中国西部经济发展研究中心,陕西西安710069;中国人民银行西安分行金融研究处,陕西西安710075 2. 中国人民银行西安分行金融研究处,陕西西安,710075 3. 西安交通大学经济与金融学院,陕西西安,710061 |
| 基金项目： | 教育部人文社会科学重点研究基地重大项目(2009JJD790034) |
| 摘 要： | 美国《社区再投资法》规定,参加联邦存款保险的存款类机构"有持续和责无旁贷的责任"满足包括中低收入社区和人群在内的整个社区的信贷需求,并由联邦监管机构进行检查与考核,运行30多年来尽管争议不断,但实效明显。该法的颁布与中国针对农村、县域出台"一定比例资金用于资金来源地"的政策背景具有一定的类似性,对改进中国欠发达地区的金融服务具有启示,为此,考虑到不同于美国的诸多制约因素,提出了若干符合中国国情的政策建议。 |
| 关 键 词： | 金融消费者保护 《社区再投资法》 县域金融 金融服务 |
The CRA of the United States of America and its Revelation to Under-developed Areas in China |
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| SUN Tian-qi,YANG Lan,YUAN Jing-wen.The CRA of the United States of America and its Revelation to Under-developed Areas in China[J].Journal of Xi'an Jiaotong University(Social Sciences),2011,31(4):21-25,42. | |
| Authors: | SUN Tian-qi YANG Lan YUAN Jing-wen |
| Institution: | SUN Tian-qi1,2,YANG Lan2,YUAN Jing-wen3 |
| Abstract: | The Community Reinvestment Act(CRA) of the United States of America specifies that the institutions of the depository category participating in federal deposit insurance has a no-shrinking responsibility to meet the credit needs of overall community,including low and moderate-income people,and such performance is examined and checked by the federal supervisory institutions.While there have been incessant disputes over the act for more than 30 years since its operation,the actual results are distinct.The pro... |
| Keywords: | financial consumer protection CRA(the Community Reinvestment Act) county level finance financial service |
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