摘要
美国《社区再投资法》颁布实施30年来,随着社会经济条件的变化,经过了七次重大修改,为金融市场的健康发展做出了重大贡献。尽管有很多研究一直为CRA摇旗呐喊,但仍有很多批评者认为CRA扭曲了信贷市场,特别是在面对当前的次贷风暴时,《社区再投资法》又一次成为了经济学界争论的焦点。美国目前对《社区再投资法》下一步修改继续进行着广泛的讨论。结合中国实际,在中国工业化和城市化的大背景、大趋势下认识县域金融机构的信贷投放问题、中小企业融资困难的问题、以及金融服务三农的问题,有选择地借鉴CRA的经验、教训,改善县域、中小企业、三农的金融服务。
There have been thirty years since the promulgation and implementation of 《Community Reinvestment Act》of the USA. With the changes of the social economic conditions, the Act has been greatly revised seven times, which contribute a lot for the healthy development of the financial market. Despite many research support CRA, there are still many critics who think the CRA distorted the credit market, especially confronting the supreme loans crisis. The CRA becomes the focus of debate in economics area again. The extensive discussion about the next revision of the CRA is underway in the USA. Integrating the situation of China, with the background and momentum of industrialized and urbanized, it helps us cognize the problems of credit supply from the financial institution, difficulties on financing for small and medium size enterprises, and issues of agriculture, farmer and rural area. We can use the experience and lessons from the CRA for reference to improve the financial service in county area, help the small and medium size enterprises and solve the problem of agriculture, farmer and rural area.
出处
《广东金融学院学报》
CSSCI
北大核心
2009年第5期109-127,共19页
Journal of Guangdong University of Finance
关键词
信贷歧视
市场失灵
社区再投资法
次贷危机
credit discrimination
market failure
community reinvestment act
supreme loans crisis
