产生于房产危机的社区再投资法(上)

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摘要《社区再投资法》帮助中低收入社区恢复了生机,并且向这些社区的居民提供了信贷机会。随着进一步的发展,《社区再投资法》可以在很多方面得到加强,从而确保鼓励存款类金融机构在中低收入社区继续提供完善的贷款、投资和服务。

作者 Michael S.Barr 孙天琦

机构地区密歇根法学院中国人民银行西安分行金融研究处

出处《西部金融》 2010年第8期15-18,共4页 West China Finance

关键词《社区再投资法》危机房产中低收入金融机构信贷居民贷款

参考文献33

112 CFR 25 (applying to nationally-chartered banks), 12 CFR 228 (applying to state-chartered banks), and 12 CFR 563e (applying to thrifts).
2e.g., Jeffery W. Gunther, "Should CRA Stand for 'Community Redundancy Act?'" Regulations 23 (3) (2000): 56-60.
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5Lawrence J. White, "The Community Reinvestment Act: Good Intentions Headed in the Wrong Direction." Fordham Urban Law Journal 20 (1993): 281-291.
6Michael S. Barr, "Credit Where it Counts: The Community Reinvestment Act and its Critics." New York University Law Review 80 (2) (2005): 513-652.
7Michael S. Barr and others, "The Community Reinvestrnent Act," in C. Guene and E. Mayo, eds., Banking and Social Cohesion: Alternative Responses to a Global Market (Charlbury, Oxfordshire: Jon Carpenter, 2001).
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10Douglas D. Evanoff and Lewis M. Siegal, "CRA and Fair Lending Regulations: Resulting Trends in Mortgage Lending." Economic Perspectives 20 (1996).

西部金融

2010年第8期

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