摘要
美国《社区再投资法》以法律形式鼓励各类银行加大对中低收入社区和低收入人群的信贷资金投资,拟解决市场失灵和种族歧视导致的信贷歧视问题。我国金融体系以银行金融机构为主导,中小银行是重要的组成部分,在降低信贷资金市场失灵,改善稀缺金融资源错配,提高资金使用效率等方面大有可为。本文借鉴《社区再投资法》的成功经验,探讨构建我国中小银行激励约束机制,为改善县域、中小企业、三农的普惠金融服务提供决策支持。
The community reinvestment act of the United States encourages all kinds of Banks to increase credit capital investment in low-and middle-income communities and low-income people in legal form,aiming to solve the problem of credit discrimination caused by market failure and racial discrimination.China’s financial system is dominated by Banks and financial institutions,and small and medium-sized Banks are an important part of the system.Based on the successful experience of community reinvestment act,this paper discusses the construction of incentive and restraint mechanism for small and medium-sized Banks in China,and provides decision support for improving inclusive financial services for counties,small and medium-sized enterprises and agriculture,rural areas and farmers.
作者
朱培金
王哲中
Zhu Peijin;Wang Zhezhong(Zhejiang Branch of State Administration of Foreign Exchange;Hangzhou Central Sub-branch,the People’s Bank of China)
出处
《金融发展评论》
2019年第12期37-46,共10页
Financial Development Review
关键词
社区再投资法
市场失灵
信贷歧视
中小银行
普惠金融
Community reinvestment method
Market failure
Credit discrimination
Small and medium-sized Banks
Inclusive finance
