Community development financial institutions: Current issues and future prospects
Community development financial institutions: Current issues and future prospects
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DOI：
10.1111/j.0735-2166.2004.00196.x
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发表时间：
2004-01-01
影响因子：
2.1
通讯作者：
Zielenbach, S
中科院分区：
文献类型：
--
作者：
Benjamin, L;Rubin, JS;Zielenbach, S
社区发展金融机构帮助解决服务不足、主要是低收入社区的金融需求。CDFI包括社区发展银行、信用社、商业和微型企业贷款基金以及风险资本基金。虽然CDFI是一个快速增长和社区经济发展的一个越来越重要的领域，他们没有得到学术研究人员的相应关注。本文开始讨论差距。它概述了CDFI行业的历史，并详细介绍了CDFI如何应对三个具体的发展需求：基本金融服务;用于购房、修复和维护的负担得起的信贷;以及用于业务发展的贷款和股本。本文然后认为CDFI的优势和局限性，特别是集中在CDFI和传统金融机构之间的关系。它的结论是审查的影响，这些替代金融机构实际上可以希望实现。
Community development financial institutions (CDFIs) help to address the financial needs of under-served, predominantly low-income communities. CDFIs include community development banks, credit unions, business and microenterprise loan funds, and venture capital funds. Although CDFIs are a rapidly growing and an increasingly important area of community economic development, they have not received proportionate attention from academic researchers. This article begins to address the gap. It outlines the history of the CDFI industry and details how CDFIs are responding to three specific development needs: basic financial services; affordable credit for home purchase, rehabilitation, and maintenance; and loan and equity capital for business development. The article then considers the strengths and limitations of CDFIs, concentrating especially on the relationship between CDFIs and conventional financial institutions. It concludes by examining the impact that these alternative financial institutions realistically can hope to achieve.