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首页> 外文期刊>The Professional Geographer >Proximate Landscapes of Economic Inclusion in Southeastern Pennsylvania
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Proximate Landscapes of Economic Inclusion in Southeastern Pennsylvania

机译：宾夕法尼亚州东南部经济融合的近况

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摘要

Although mainstream banking institutions offer a suite of benefits to patrons, the proportion of U.S. households that are unbanked and underbanked remains persistently high. This study examines the spatial relationship between alternative financial service providers (AFSPs) and banks and neighborhood demographics in southeastern Pennsylvania. Results from spatial regression analyses reveal that AFSPs are disproportionately located in close proximity to neighborhoods with comparatively lower levels of educational attainment and higher rates of subprime mortgage lending, whereas banks are disproportionately located in close proximity to neighborhoods with comparatively higher levels of income and educational attainment and a lower percentage of minority residents.
机译：尽管主流银行机构为顾客提供了一系列好处，但是没有银行账户和银行账户不足的美国家庭比例仍然持续居高不下。本研究考察了宾夕法尼亚州东南部的替代金融服务提供商（AFSP）与银行和邻里人口统计学之间的空间关系。空间回归分析的结果表明，AFSP的地理位置与教育程度较低，次级抵押贷款利率较高的社区非常接近，而银行的地理位置与收入和教育程度相对较高的社区非常接近少数族裔居民比例较低。

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