美国的《社区再投资法》及其对中国欠发达地区的启示  

The CRA of the United States of America and its Revelation to Under-developed Areas in China

作　　者：孙天琦[1,2] 杨岚[2] 袁静文[3] 

机构地区：[1]西北大学中国西部经济发展研究中心,陕西西安710069 [2]中国人民银行西安分行金融研究处,陕西西安710075 [3]西安交通大学经济与金融学院,陕西西安710061

出　　处：《西安交通大学学报（社会科学版）》2011年第4期21-25,42,共6页Journal of Xi'an Jiaotong University：Social Sciences

基　　金：教育部人文社会科学重点研究基地重大项目(2009JJD790034)

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。The Community Reinvestment Act（CRA） of the United States of America specifies that the institutions of the depository category participating in federal deposit insurance has a ＂no-shrinking responsibility＂ to meet the credit needs of overall community,including low and moderate-income people,and such performance is examined and checked by the federal supervisory institutions.While there have been incessant disputes over the act for more than 30 years since its operation,the actual results are distinct.The promulgation of the act has a certain similarity to the background of the policy in China for using a certain portion of funds for the source of the funds,which is promulgated regarding the villages and county regions,so the act has some revelation to the improvement of financial service in China.To this end,given a number of governing factors different from those in America,the paper proposed some policy suggestions conforming to the actual conditions of China.

关 键 词：金融消费者保护 《社区再投资法》 县域金融 金融服务 

分 类 号：F830.5[经济管理—金融学]