美国的《社区再投资法》及其对中国欠发达地区的启示
发布时间：2018-09-03 11:29
【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。
[Abstract]:The United States Community Reinvestment Act stipulates that deposit agencies participating in federal deposit insurance "have a continuing and unshirkable responsibility" to meet the credit needs of the entire community, including low- and middle-income communities and people. It has been checked and examined by federal regulators for more than 30 years. The promulgation of this law is similar to the policy background of "a certain proportion of funds being used for the source of funds", which is similar to the policy of "a certain proportion of funds used in the source of funds" issued by China's rural areas, which has implications for improving the financial services in less developed areas of China. In view of the constraints different from those in the United States, some policy suggestions are put forward in accordance with China's national conditions.
【作者单位】： 西北大学中国西部经济发展研究中心;中国人民银行西安分行金融研究处;西安交通大学经济与金融学院;
【基金】：教育部人文社会科学重点研究基地重大项目(2009JJD790034)
【分类号】：F832.4
本文编号：2219852
[Abstract]:The United States Community Reinvestment Act stipulates that deposit agencies participating in federal deposit insurance "have a continuing and unshirkable responsibility" to meet the credit needs of the entire community, including low- and middle-income communities and people. It has been checked and examined by federal regulators for more than 30 years. The promulgation of this law is similar to the policy background of "a certain proportion of funds being used for the source of funds", which is similar to the policy of "a certain proportion of funds used in the source of funds" issued by China's rural areas, which has implications for improving the financial services in less developed areas of China. In view of the constraints different from those in the United States, some policy suggestions are put forward in accordance with China's national conditions.
【作者单位】： 西北大学中国西部经济发展研究中心;中国人民银行西安分行金融研究处;西安交通大学经济与金融学院;
【基金】：教育部人文社会科学重点研究基地重大项目(2009JJD790034)
【分类号】：F832.4
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