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Bank community development corporation investments in community economic development.

机译：银行社区发展公司投资于社区经济发展。

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摘要

This dissertation analyzes best practices of bank-owned Community Development Corporation (CDC) investments in Community Economic Development (CED). Using documents from banking institutions, literature on community economic development, and case study methods, I will identify and evaluate investment strategies that have satisfied the double bottom line of such institutions. These banks have made profit and expanded capacity while redeveloping urban communities and neighborhoods.;In response to the landmark Community Reinvestment Act (CRA) of 1977, banks created bank CDCs to comply with federal regulations and promote the public welfare by lending to low-to-moderate-income populations and communities. At first the banking community was concerned that the CRA would force banks to make bad loans and incur losses. However, that was not borne out by experience. The research demonstrates that over time banks have found ways to meet their regulatory and public policy goals as well as the expectations of other stakeholders. The research objective was to examine the existing literature and determine if bank CDC investments actually make a positive contribution to neighborhood revitalization. Successful revitalization is determined according to three basic criteria: (1) Does it meet public policy objectives for both federal and local government? (2) Does it meet the objectives of community-based organizations? and (3) Does it meet the objectives of nonprofit economic development organizations?;A review of best practices at leading bank CDCs is provided, with a focus on those considered effective in addressing these three sets of objectives. Finally, strategies are outlined regarding future practices and public policies that merit further consideration regarding how bank CDC investments can be used to forward CED objectives.
机译：本文分析了银行拥有的社区发展公司（CDC）投资社区经济发展（CED）的最佳实践。利用银行机构的文件，有关社区经济发展的文献以及案例研究方法，我将确定和评估满足此类机构双重底线的投资策略。这些银行在重新发展城市社区和社区时获得了利润并扩大了生产能力。；为响应1977年具有里程碑意义的《社区再投资法》（CRA），各银行创建了银行CDC，以遵守联邦法规并通过向低收入人群提供贷款以促进公共福利。 -中等收入人口和社区。起初，银行界担心CRA会迫使银行作出不良贷款并蒙受损失。但是，经验并不能证明这一点。该研究表明，随着时间的流逝，银行已经找到了满足其监管和公共政策目标以及其他利益相关者期望的方法。研究目的是检查现有文献，确定银行CDC投资是否确实对社区振兴做出了积极贡献。成功的复兴取决于三个基本标准：（1）它是否满足联邦和地方政府的公共政策目标？ （2）是否符合社区组织的目标？ （3）它是否满足非营利性经济发展组织的目标？；对领先的银行CDC的最佳做法进行了回顾，重点关注那些在实现这三套目标方面有效的做法。最后，概述了有关未来做法和公共政策的策略，这些策略需要进一步考虑如何使用银行CDC投资来实现CED目标。

著录项

  • 作者

    Prevo, Dwight J.;

  • 作者单位

    University of Southern California.;

  • 授予单位 University of Southern California.;
  • 学科 Business Administration General.;Economics General.;Urban and Regional Planning.
  • 学位 D.P.D.S.
  • 年度 2009
  • 页码 191 p.
  • 总页数 191
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类 贸易经济;经济学;区域规划、城乡规划;
  • 关键词

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