美国金融机构的红线政策与中心城市的衰落  

The Redlining Policy of U.S. Financial Institutes and the Decline of Central Cities

作　　者：孙群郎[1] 郑殿娟 SUN Qun-lang;ZHENG Dian-juan

机构地区：[1]浙江师范大学人文学院 [2]浙江师范大学图文信息中心

出　　处：《吉林大学社会科学学报》2019年第2期175-184,223,224,共12页Jilin University Journal Social Sciences Edition

基　　金：国家社会科学基金项目(11BSS015);教育部人文社会科学研究青年项目(14YJC770028)

摘　　要：20世纪50年代以后,随着郊区化的发展,美国的中心城市开始走向衰落,尤其是东北部和中西部的城市更是出现了严重衰败的局面。城市衰败的原因虽然是多方面的,但金融机构的红线政策无疑发挥了极其恶劣的影响。由于住房保险机构、住房贷款机构对中心城市社区实行的红线政策,使中心城市的储蓄资金流失到郊区、其他地区甚至国外,从而导致了中心城市严重的资金流失和衰落。With the development of U.S.suburbs since the 1950s,the American central cities began to decline,especially those of the Northeast and Midwest regions.There are many reasons for the decline of central cities.But one of the most important reasons is the redlining policy of U.S.financial institutes,which has the worst impact on the central cities.Because of the redlining policy of U.S.financial institutes,the American central cities lost much of their deposit money to the suburbs,other regions and even other countries.Thus the central cities have not enough money to invest in their own communities.

关 键 词：美国金融机构 红线政策 再投资运动 次级贷款 中心城市衰落 

分 类 号：F837.12[经济管理—金融学] F299.1