建立经济住房市场教程.pptVIP

Link Between Expanded Homeownership and Improved Financial System Inclusion 住房拥有量的提高和金融系统的改善之间的联系 Successful minority homeownership outreach initiatives throughout the 1990s 20世纪90年代成功的少数族裔“居者有其屋”构想 Growth and profitability of the alternative financial services industry 替代性金融服务行业的成长与收益 Potential to expand and sustain homeownership 维持、提高住房拥有量的潜能 Motivations In the US to Focus on the Unbanked 在美国关注非银行客户的动机 ? Fannie Mae Foundation 2004 Reasons for Being Unbanked 成为非银行客户的原因 ? Fannie Mae Foundation 2004 Tier 1: 第一层 Basic Banking, Financial Education and Outreach 基本的银行，金融教育以及外展 Tier 2: 第二层 Alternative Products and Services 替代性产品和服务 Tier 3: 第三层 Not Immediate Banking Customer Prospects 不能立即成为银行客户 25% 25% 50% * Building an Affordable Homeownership Market: The United States Experience 建立经济住房市场： 美国的经验 by James H. Carr Senior Vice President Fannie Mae Foundation 美国联邦国家房屋贷款协会基金会 高级副总裁 Defining the Affordable Homeownership Market 对经济住房市场的定义 Racial and ethnic minorities; 少数族裔； Immigrants; 移民； Lower-income and young families of all racial/ethnic backgrounds; 不同背景的较低收入家庭及年轻家庭 Households with nontraditional credit histories, irregular incomes, and related divergences from conventional underwriting guidelines. 无传统信用记录，固定收入，或与传统的保险规定不相符合的家庭 ? Fannie Mae Foundation 2004 Home Ownership Disparities by Race/Ethnicity 住房拥有率的种族差异 All households 所有家庭 68.6% Not Hispanic, While alone 非西班牙裔（仅限白种人） 75.5% Black or African American alone 黑种人 49.3% Hispanic or Latino 西班牙裔或拉美裔 47.3% Asian or Pacific Islander, American Indian or Alaskan Native, more than two races reported 亚裔或太平洋岛屿住民，美洲印第安人或阿拉斯加原住民，不少于两个人种 58.2% Source: US Census 2004. ? Fannie Mae Foundation 2004 $60,000 $50,000 $40,000 $30,000 $20,000 $10,000 $0 All households 所有家庭 White householders 白人家庭 Black householders 黑人家庭 Hispanic householders 西班牙裔家庭 $11,773 $14,398 $2,657 $2,900 Median net worth, excluding Home equity除房产外净值中位数 Source: Survey of Income and Program Participation, U.S. Cen