著者

梁 峻豪

雑誌

企業研究 (ISSN:13479938)

巻号頁・発行日

no.第33号, pp.121-142, 2018-08-31

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The U.S. CDFI is financially supported by not only CDFI Fund that is an organization of federal government but also commercial bank’s reinvestment to CDFI due to ‘Community Reinvestment Act. (CRA).’ This facts mean that the U.S. CDFI is controlled by not only ‘national adjustment’ but also ‘civil adjustment’. In addition, because the U.S. CDFI is a citizen-led organization, the participation and monitoring of local citizen is institutionalized in the all fields of the management of CDFI. According to this fact, we can find ‘citizen-led’ local finance for regional development. And, CMF (Capital Magnet Fund) program that the U.S. CDFI has been supplying all concerned of local society with for the community development has been working as an intermediation for House constructions and urban renewals is so public that these are for the poor and the poor region. So, CMF can be providing the poor with house in time according to their demand, and can be changing the disgusting region into the public spaces for social inclusion. In conclusion, the U.S. CDFI has not been focusing on the profitability that is commercial bank’s purpose, has been focusing on the urban renewal and community development for solving the social problems like poverty, environment, human rights, and health. By this, the U.S. CDFI has been matching ‘finance’ with civil demand. On this account, the U.S. CDFI can secure strong social support from local citizen. This is clearly the most important factor in the U.S. CDFI’s commercial success.