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美国《社区再投资法》评介及启示 被引量:3

CommunityReinvestment Act of the U.S.: Comments and Inspirations
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摘要 美国《社区再投资法》是目前世界上唯一的一个旨在解决金融歧视、金融排斥,改善金融消费者金融服务可获性状况,对银行等金融机构的金融包容义务做出较为全面规定的法案。但此法案在实行的过程之中一直争议不断。应从自由与干预、公平与效率、规则与标准等多角度予以评析,并为中国相关立法提供借鉴。 The U.S. "Community Reinvestment Act" is the only act which is designed to address the financial discrimination, financial exclusion and improve the availability status of the financial consumer financial services, banks and other financial institutions, financial inclusive obligation to make a more comprehensive provisions of the bill in the world. However, this bill has been controversial. We need to be evaluated from the angle of freedom and intervention, fairness and efficiency, rules and standards, and to draw useful insights.
作者 董世坤
机构地区 辽宁大学法学院
出处 《亚太经济》 CSSCI 北大核心 2013年第3期55-59,共5页 Asia-Pacific Economic Review
基金 2012年辽宁省社科规划基金项目:"地方政府金融管理权法治化研究"(L12DFX020) 2013年辽宁经济社会发展课题:"中央与地方金融管理权配置的法律问题研究"
关键词 《社区再投资法》 金融排斥 金融包容 Community Reinvestment Act Financial Exclusion Financial Inclusion
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参考文献13

  • 1王志军.金融排斥:英国的经验[J].世界经济研究,2007(2):64-68. 被引量:64
  • 2侯世宇.美国《社区再投资法案》理论争议与实践述评[J].河南金融管理干部学院学报,2005,23(6):102-107. 被引量:3
  • 3Jonathan zinman, the efficiency of credit market interventions: evidence from the ommunity reinvestment act 2, harvard univ joint ctr. For hous. studies, working paper cra02- 2, 2002.
  • 4Charles W . Calomiris, Housing- Finance Intervention and Private Incentives : Helping Minorities and the Poor, 26 J. Money, Crediet&Banking 634 (1994) .
  • 5The Federal Reserve System, the Performance and Profitability of CRA - related Lending, 86 - 87 (2000), http: // www. federal reserve gov/boarddocs/surveys/craloan survey/cratext pdf.
  • 6Michael S. Barr, Credit Where It Counts: the Community Reinvestment Act and its Critics, 80 N. Y. U. L. Rev513.
  • 7Calomiris, Housing-Finance Intervention and Private Incentives: Helping Minorities and the Poor, 26 J. Money, Credit&Banking at 637 (1994) . (indicating that CRA never mentions minorities explicitly) .
  • 8J·奥斯汀.确定法理学的范围(H 哈特.英国伦敦,1954:17-24).
  • 9刘星.法律“强制力”观念的弱化──当代西方法理学的本体论变革[J].环球法律评论,1995,17(3):17-27. 被引量:52
  • 10G·韦基奥.法律哲学(T 马丁.美国华盛顿,1953:305).

二级参考文献28

  • 1王志军.金融排斥:英国的经验[J].世界经济研究,2007(2):64-68. 被引量:64
  • 2Michael S. Barr. Credit Where It Counts: The Community Reinvestment Act and Its Critics, University of Michigan Law School [ R ]. 2005, Working Paper.
  • 3Charles W. Calomiris et al. Housing - Finance Intervention and Private Incentives: Helping Minorities and the Poor[J]. Money, Credit & Banking, 1994 (26), 634.
  • 4Eric S. Belsky et al. The Effects of the Community Reinvestment Act on Bank and Thrift Home Purchase Mortgage Lending [ R]. 2001, Working Paper CRA 01 -1.
  • 5Jeffrey M. Lacker. Neighborhoods and Banking [ J ]. Economics Quarter. 1995(81) , 15 -24.
  • 6Joint Center For Housing Studies, Harvard University. The25th Anniversary Of the Community Reinvestment Act:Access to Capital in an Evolving Financial services System[ R]. 2002 ,http://www. jchs. harvard. edu/publications.
  • 7Robert E. Litan, et al. The Community Reinvestment Act After Financial Modernization: A Final Report 26 [ R ].2000, http://www. treas. gov/press/releases/reports.
  • 8BBA Press Release (2003), Steady growth in bank accounts, 23 December ( London: BBA).
  • 9Boyce, G. (2000) , Valuing customers and loyalty : the rhetoric of customer focus versus the reality of alienation and exclusion of (devalued) customers, Critical perspectives on Accounting, 11, pp. 649 - 689.
  • 10Brewer, Mike, Alissa Goodman, Michael Myck, Jonathan Shaw and Andrew Shepherd (2003), Poverty and Inequality in Britain: 2004 (London: Institute for Fiscal Studies).

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