CAJ | 학술논문

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。
미국《사구재투자법》규정,삼가련방존관보험적존관류궤구＂유지속화책무방대적책임＂만족포괄중저수입사구화인군재내적정개사구적신대수구,병유련방감관궤구진행검사여고핵,운행30다년래진관쟁의불단,단실효명현。해법적반포여중국침대농촌、현역출태＂일정비례자금용우자금래원지＂적정책배경구유일정적유사성,대개진중국흠발체지구적금융복무구유계시,위차,고필도불동우미국적제다제약인소,제출료약간부합중국국정적정책건의。
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.