美国《社区再投资法》对我国立法的启示  

The Enlightenment of Community Reinvestment Act of the United States on the Legislative Work of China

作　　者：田春雷[1] 

机构地区：[1]辽宁大学法学院,辽宁沈阳110136

出　　处：《辽宁大学学报（哲学社会科学版）》2013年第4期101-105,共5页Journal of Liaoning University(Philosophy and Social Sciences Edition)

基　　金：辽宁省教育厅人文社会科学研究一般项目"金融危机下我国金融企业社会责任制度的法律构建"(W2011012);辽宁省社会科学规划基金项目"辽宁省金融消费者权益的法律保护研究"(L10DFX017);辽宁省社会科学规划基金项目"商业银行业务创新的法律生态环境研究"(L11DFX019)

摘　　要：美国《社区再投资法》自1978年颁布实施以来,争议不断。支持者认为《社区再投资法》是美国政府解决针对少数族群和中低收入社区的信贷歧视,均衡社区发展的有益尝试。反对者认为《社区再投资法》加大了金融机构的经营成本,扭曲了信贷市场。《社区再投资法》的立法背景与我国目前面临的农村地区、中西部地区存款资金外流、当地居民较难获得信贷资金问题有较强的相似性,其立法经验值得我国借鉴。The Community Reinvestment Act of the USA is under controversy since its implement in 1978.Supporters consider it’s a valuable attempt for the US government to resolve the problem of discrimination against low-income communities and the minorities and balanced the community development.Critics argue that the Act raised the operating cost of financial institutions and distorted the credit market.The legislative background of the Act is similar to the situation currently faced in the rural area and central-west region of China.In these areas,deposit outflows and resident are difficult to get credit funds.It is worthwhile for our country to draw references from its legislative experience.

关 键 词：信贷歧视 社区投资 CRA法案 

分 类 号：D922.28[政治法律—经济法学]