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The role of ethnic banks in the resi...

Zonta, Michela Maria.

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The role of ethnic banks in the residential patterns of Asian Americans: The case of Los Angeles (California).

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	The role of ethnic banks in the residential patterns of Asian Americans: The case of Los Angeles (California)./
作者:	Zonta, Michela Maria.
面頁冊數:	197 p.
附註:	Source: Dissertation Abstracts International, Volume: 64-10, Section: A, page: 3873.
Contained By:	Dissertation Abstracts International64-10A.
標題:	Urban and Regional Planning. -
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3110834

The role of ethnic banks in the residential patterns of Asian Americans: The case of Los Angeles (California).
Zonta, Michela Maria.

The role of ethnic banks in the residential patterns of Asian Americans: The case of Los Angeles (California). - 197 p.

Source: Dissertation Abstracts International, Volume: 64-10, Section: A, page: 3873.

Thesis (Ph.D.)--University of California, Los Angeles, 2004.

This study combines elements of ethnic solidarity theories and mortgage lending research to explore how the ethnic home mortgage market contributes to the patterns of residential settlement of Asian Americans in the Los Angeles Region. The study utilizes Home Mortgage Disclosure Act data to explore the application and loan decision phases of the mortgage financing process. Specifically, in relation to the central research question, the study tests the following hypotheses: (1) Asian home mortgage seekers have a higher propensity than white home mortgage seekers to apply for loans at Asian banks than conventional banks; (2) Asian banks have a higher propensity to grant loans to Asian home mortgage seekers than conventional banks. Moreover, the study tests whether Asian home mortgage seekers are more likely to obtain mortgage loans if dwellings are located in Asian enclave areas.Subjects--Topical Terms:

1017841
Urban and Regional Planning.

The role of ethnic banks in the residential patterns of Asian Americans: The case of Los Angeles (California).
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245 1 4 $a The role of ethnic banks in the residential patterns of Asian Americans: The case of Los Angeles (California).
300 $a 197 p.
500 $a Source: Dissertation Abstracts International, Volume: 64-10, Section: A, page: 3873.
500 $a Chair: Paul M. Ong.
502 $a Thesis (Ph.D.)--University of California, Los Angeles, 2004.
520 $a This study combines elements of ethnic solidarity theories and mortgage lending research to explore how the ethnic home mortgage market contributes to the patterns of residential settlement of Asian Americans in the Los Angeles Region. The study utilizes Home Mortgage Disclosure Act data to explore the application and loan decision phases of the mortgage financing process. Specifically, in relation to the central research question, the study tests the following hypotheses: (1) Asian home mortgage seekers have a higher propensity than white home mortgage seekers to apply for loans at Asian banks than conventional banks; (2) Asian banks have a higher propensity to grant loans to Asian home mortgage seekers than conventional banks. Moreover, the study tests whether Asian home mortgage seekers are more likely to obtain mortgage loans if dwellings are located in Asian enclave areas.
520 $a Findings point to the role of social capital, cultural affinity, and geographic context in affecting both the propensity of Asian mortgage seekers to apply for loans at Asian banks as well as credit flows to Asian communities. Despite the small number of Asian banks throughout the Los Angeles region relative to mainstream financial institutions and the small number of total mortgage loan applications at such banks, findings suggest that Asian home mortgage seekers have a higher propensity to apply for loans at Asian-owned banks compared to similarly situated white applicants. Such tendency is particularly pronounced in Asian enclave areas. Consistent with previous research on Chinese banks' lending practices, the study finds that Asian banks significantly influence credit flows to Asian enclaves. Cultural affinity as well as mutual trust, reputation, and social sanctions may play a role in the propensity of Asian banks to approve Asians' loan applications. Further, consistent with the geographic contingency hypothesis, the location of homes in Asian enclaves significantly affects conventional and Asian banks' propensity to grant loans to Asian home mortgage seekers.
520 $a The outreach practices and lending behavior of Asian banks seem to play a role in encouraging Asian Americans to settle in specific areas of the region, particularly those already characterized by large numbers of Asian residents and businesses.
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