{"id":631,"date":"2022-11-14T07:25:47","date_gmt":"2022-11-14T10:25:47","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=631"},"modified":"2023-02-21T23:33:15","modified_gmt":"2023-02-22T02:33:15","slug":"a-criacao-de-regras-de-cra-deve-revigorar-o-investimento-em-cdfis-e-estender-alem-dos-bancos-normais","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/a-criacao-de-regras-de-cra-deve-revigorar-o-investimento-em-cdfis-e-estender-alem-dos-bancos-normais\/","title":{"rendered":"Vytvorenie predpisov CRA (Certificate of Real Estate Receivables) by malo o\u017eivi\u0165 invest\u00edcie do CDFI (Certificates of Deposits) a roz\u0161\u00edri\u0165 ich p\u00f4sobnos\u0165 nad r\u00e1mec tradi\u010dn\u00fdch b\u00e1nk."},"content":{"rendered":"<p><span>Pl\u00e1n Feder\u00e1lneho rezervn\u00e9ho syst\u00e9mu, OCC a FDIC na rev\u00edziu a moderniz\u00e1ciu z\u00e1kona o skupinov\u00fdch reinvest\u00edci\u00e1ch (CRA) je u\u017e d\u00e1vno potrebn\u00fd. CRA, p\u00f4vodne schv\u00e1len\u00fd v roku 1977 a novelizovan\u00fd v roku 1995, sa spoliehal na feder\u00e1lny regula\u010dn\u00fd doh\u013ead a motivoval feder\u00e1lne poisten\u00e9 banky, aby sl\u00fa\u017eili komunit\u00e1m, v ktor\u00fdch p\u00f4sobia.<\/span><\/p>\n<p><span>\u00darad pre ratingov\u00e9 anal\u00fdzy (CRA) sleduje podporu b\u00e1nk pre marginalizovan\u00fdch dl\u017en\u00edkov s n\u00edzkymi pr\u00edjmami a \u0161pecifick\u00e9 \u0161tvrte, ktor\u00e9 boli historicky nedostato\u010dne obsluhovan\u00e9 diskrimina\u010dn\u00fdmi praktikami a obmedzeniami. Obmedzenia legislat\u00edvy, ako napr\u00edklad jej zameranie na skuto\u010dn\u00e9 umiestnenie bankov\u00fdch pobo\u010diek, ignorovali revol\u00faciu FinTech posledn\u00fdch dvoch rokov a na\u010falej prehliadaj\u00fa marginalizovan\u00e9 komunity a komunity v bankov\u00fdch \u201ep\u00fa\u0161\u0165ach\u201c, ktor\u00e9 nie s\u00fa obsluhovan\u00e9 prostredn\u00edctvom fyzick\u00fdch pobo\u010diek.<\/span><\/p>\n<p><span>Navrhovan\u00e1 tvorba pravidiel priamo rie\u0161i niektor\u00e9 z t\u00fdchto prek\u00e1\u017eok a o\u017eiv\u00ed v\u00e4\u010d\u0161ie partnerstv\u00e1 medzi ve\u013ek\u00fdmi, etablovan\u00fdmi bankami a da\u0148ov\u00fdmi zdru\u017eeniami buduj\u00facimi skupiny (CDFI) s pr\u00edstupom k n\u00edzkopr\u00edjmov\u00fdm a centr\u00e1lnym komunit\u00e1m, kde je kapit\u00e1l najviac potrebn\u00fd, a s nadviazan\u00edm vz\u0165ahov v t\u00fdchto komunit\u00e1ch.<\/span><\/p>\n<p><span>Bankov\u00e9 partnerstv\u00e1, \u00favery a invest\u00edcie do CDFI s\u00fa z\u00e1kladn\u00fdmi n\u00e1strojmi na plnenie z\u00e1kona o reinvestovan\u00ed do susedstva. Pod\u013ea navrhovan\u00fdch usmernen\u00ed sa hodnotenia ratingov\u00fdch agent\u00far posun\u00fa nad r\u00e1mec zastaran\u00fdch geografick\u00fdch bari\u00e9r a aktiv\u00edt d\u00f4veryhodn\u00e9ho bankovn\u00edctva spojen\u00fdch s flexibilitou aktualizovan\u00fdch bankov\u00fdch slu\u017eieb vr\u00e1tane mobiln\u00e9ho bankovn\u00edctva, bezpobo\u010dkov\u00e9ho bankovn\u00edctva a hybridn\u00fdch modelov. Banky bud\u00fa musie\u0165 preuk\u00e1za\u0165, \u017ee s\u00fa akt\u00edvne atrakt\u00edvne s n\u00edzkymi a\u017e stredn\u00fdmi ziskov\u00fdmi mar\u017eami v komunit\u00e1ch, regi\u00f3noch a po celej krajine. To by malo \u010falej povzbudi\u0165 stredne ve\u013ek\u00e9 fi\u0161k\u00e1lne in\u0161tit\u00facie s ve\u013ek\u00fdmi s\u00favahami, aby pride\u013eovali zdroje viac ako 1 300 CDFI v ter\u00e9ne v nedostato\u010dne obsluhovan\u00fdch komunit\u00e1ch s cie\u013eom uspokoji\u0165 rast\u00face potreby.<\/span><\/p>\n<p><span>Podobne ako banky, aj mnoh\u00e9 CDFI \u010falej modernizuj\u00fa svoje vybavenie a kapacity, aby lep\u0161ie sl\u00fa\u017eili cie\u013eov\u00fdm komunit\u00e1m, \u010d\u00edm poskytuj\u00fa \u010fal\u0161ie alternat\u00edvy pre efekt\u00edvne dodr\u017eiavanie predpisov CRA a pre tradi\u010dn\u00e9 banky, aby ovplyv\u0148ovali komunity s nedostato\u010dn\u00fdm pokryt\u00edm. Podobne ako in\u00ed v sektore finan\u010dn\u00fdch poskytovate\u013eov, aj s\u00fa\u010dasn\u00e9 CDFI sl\u00fa\u017eia komunit\u00e1m s nedostato\u010dn\u00fdm pokryt\u00edm odborn\u00fdmi znalos\u0165ami a inov\u00e1ciami. \u010coraz \u0161pecifickej\u0161ie \u00faverov\u00e9 produkty pon\u00fakan\u00e9 s pomocou CDFI odr\u00e1\u017eaj\u00fa realitu dne\u0161nej r\u00fdchlo sa meniacej ekonomickej kl\u00edmy a rozmanit\u00e9 \u017eivoty nezamestnan\u00fdch majite\u013eov dom\u00e1cnost\u00ed. CDFI m\u00f4\u017eu a vyvinuli kreat\u00edvne \u00faverov\u00e9 produkty, ktor\u00e9 sl\u00fa\u017eia neocenite\u013en\u00fdm dl\u017en\u00edkom s netradi\u010dn\u00fdmi pr\u00edpadmi, ktor\u00e9 obch\u00e1dzaj\u00fa pr\u00edstup k hypot\u00e9kam pon\u00fakan\u00fdm prostredn\u00edctvom tradi\u010dn\u00fdch b\u00e1nk.<\/span><\/p>\n<p><span>Aby organiz\u00e1cie dodr\u017eali aktualizovan\u00e9 predpisy CRA, ktor\u00e9 sa zdaj\u00fa by\u0165 nepriazniv\u00e9 pre miestnu skupinu b\u00e1nk, m\u00f4\u017eu st\u00e1le vyu\u017e\u00edva\u0165 miestne, region\u00e1lne a n\u00e1rodn\u00e9 CDFI ur\u010den\u00e9 na vyn\u00faten\u00e9 zdroje z dane z nehnute\u013enost\u00ed. Pretrv\u00e1vaj\u00faca priepas\u0165 v bohatstve a vlastn\u00edctve v USA vylu\u010duje \u010derno\u0161sk\u00e9, latinskoamerick\u00e9 a n\u00edzkopr\u00edjmov\u00e9 rodiny z rozv\u00edjaj\u00facej sa ekonomiky a v d\u00f4sledku toho obmedzuje celkov\u00fd finan\u010dn\u00fd boom. Invest\u00edcie do CDFI s\u00fa osved\u010denou mo\u017enos\u0165ou na roz\u0161\u00edrenie pr\u00edstupu k funkci\u00e1m, kreditn\u00e9mu sk\u00f3re, rozumn\u00fdm trhov\u00fdm a nedrav\u00fdm \u00faverom, ktor\u00e9 si tieto komunity zasl\u00fa\u017eia, aby sa oslobodili od cyklov drah\u00fdch dlhov a finan\u010dn\u00fdch probl\u00e9mov, ktor\u00e9 odr\u00e1dzaj\u00fa od finan\u010dn\u00e9ho boomu a obmedzuj\u00fa pr\u00edle\u017eitosti na budovanie bohatstva gener\u00e1ciami.<\/span><\/p>\n<p><span>Hoci regula\u010dn\u00e9 org\u00e1ny maj\u00fa z\u00e1ujem o spr\u00edsnenie a moderniz\u00e1ciu smern\u00edc CRA, musia tie\u017e akceptova\u0165 ako pravdu roz\u0161\u00edrenie po\u017eiadaviek CRA na nefinan\u010dn\u00e9 in\u0161tit\u00facie, ktor\u00e9 tvoria ve\u013ek\u00fa \u010das\u0165 dne\u0161n\u00e9ho \u00faverov\u00e9ho ekonomick\u00e9ho syst\u00e9mu. Poskytovatelia osobn\u00fdch p\u00f4\u017ei\u010diek z radov nefinan\u010dn\u00fdch in\u0161tit\u00faci\u00ed tvoria viac ako dve tretiny hypotek\u00e1rnych \u00faverov v USA, no nie s\u00fa viazan\u00ed rovnak\u00fdmi investi\u010dn\u00fdmi po\u017eiadavkami ako tradi\u010dn\u00e9 banky. Nie je \u017eiadnym tajomstvom, \u017ee ich zoznam skladieb je pod hviezdi\u010dkami, pokia\u013e ide o slu\u017eby n\u00edzkopr\u00edjmov\u00fdm a men\u0161inov\u00fdm komunit\u00e1m, a to aj napriek rozumn\u00fdm modern\u00fdm z\u00e1konom o b\u00fdvan\u00ed. Ak t\u00edto veritelia zostan\u00fa mimo ekosyst\u00e9mu CRA, niet poch\u00fdb o tom, \u017ee bud\u00fa na\u010falej podporova\u0165 ekonomicky najchr\u00e1nenej\u0161ie komunity za ove\u013ea vy\u0161\u0161ie n\u00e1klady ako ostatn\u00ed.,<\/span><\/p>\n<p><span>Zv\u00fd\u0161en\u00edm potreby hodnotenia \u00faverov\u00fdch pr\u00e1v (CRA) pre nebankov\u00fdch verite\u013eov regula\u010dn\u00e9 org\u00e1ny zabezpe\u010dia spravodlivej\u0161ie slu\u017eby pre rozmanit\u00e9 a n\u00edzkopr\u00edjmov\u00e9 komunity prostredn\u00edctvom priamych \u00faverov od t\u00fdchto zdru\u017een\u00ed a in\u00fdch partnerstiev a invest\u00edci\u00ed do investi\u010dn\u00fdch fondov \u00faverov\u00fdch pr\u00e1v (CDFI).<\/span><\/p>\n<p><span>L\u00eddri a z\u00e1stancovia v oblasti CDFI, dostupn\u00e9ho b\u00fdvania, finan\u010dnej\/rasovej spravodlivosti a soci\u00e1lnych invest\u00edci\u00ed m\u00f4\u017eu st\u00e1le vyu\u017ei\u0165 mo\u017enosti tohto okamihu a poskytn\u00fa\u0165 sp\u00e4tn\u00fa v\u00e4zbu k navrhovan\u00e9mu nariadeniu. Mali by sme podporova\u0165 tieto reformy, ktor\u00e9 m\u00f4\u017eu bank\u00e1m u\u013eah\u010di\u0165 plnenie po\u017eiadaviek CRA prostredn\u00edctvom invest\u00edci\u00ed a partnerstva s CDFI, a oslovi\u0165 e\u0161te silnej\u0161ie potreby CRA, ktor\u00e9 zah\u0155\u0148aj\u00fa ka\u017ed\u00fa finan\u010dn\u00fa in\u0161tit\u00faciu a nebankov\u00e9 finan\u010dn\u00e9 in\u0161tit\u00facie. S mas\u00edvnym financovan\u00edm a s\u00fastreden\u00fdm \u00fasil\u00edm odstr\u00e1nime pretrv\u00e1vaj\u00facu rasov\u00fa priepas\u0165 v bohatstve, ktor\u00e1 tr\u00e1pi na\u0161u krajinu. Dodr\u017eiavanie po\u017eiadaviek finan\u010dn\u00fdmi zdru\u017eeniami, priama pomoc cie\u013eov\u00fdm komunit\u00e1m a podpora CDFI, ktor\u00e9 s\u00fa pod tlakom, aby ich splnili, je len jedn\u00fdm, aj ke\u010f d\u00f4le\u017eit\u00fdm aspektom.,<\/span><\/p>\n<p><span>Faith Bautista je prezidentkou a gener\u00e1lnou riadite\u013ekou \u00c1zijsko-americkej koal\u00edcie (naac.org, predt\u00fdm Mabuhay Alliance), neziskovej organiz\u00e1cie zameranej na aplik\u00e1cie, ktor\u00e1 poskytuje poradenstvo v oblasti b\u00fdvania, p\u00f4\u017ei\u010dky pre mal\u00e9 podniky a technologick\u00e9 tipy pre men\u0161iny a obyvate\u013estvo s n\u00edzkymi pr\u00edjmami.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>O conceito do Federal Reserve, OCC e FDIC para revisar e modernizar o grupo Reinvestment Act (CRA) est\u00e1 muito atrasado.\u00a0No in\u00edcio, aprovado em 1977 e alterado em 1995, o CRA baseava a supervis\u00e3o com a ajuda de reguladores federais e incentivava os bancos com seguro federal a servir as comunidades em que atuam. O CRA [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-631","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/631","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=631"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/631\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=631"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=631"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=631"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}