伴随着美国失业率超过6%以及劳动力参与率创下1978年以来的新低,大萧条重返历史舞台。是时候回首本次经济危机的根源,思考如何避免下一次危机了。根据国民经济调查局数据,自1933年大萧条以来最严重的一次衰退发生于2007年12月,但其根源要追溯到1977年颁布的《社区再投资法案》(CommunitytReinvestmenttAct,tCRA)。该法案致力于消除抵押信贷市场的歧视,保证所有美国公民(无论种族或阶层)都能够平等享受 With the unemployment rate in the United States surpassing 6% and the labor force participation rate hitting a record low since 1978, the Great Depression returned to the stage of history. It is time to look back at the root causes of this economic crisis and consider how to avoid the next crisis. According to the National Bureau of Economic Research, the worst recession since the Great Depression of 1933 occurred in December 2007, but its roots date back to the Community Reinvestment Act of 1977, ). The act is dedicated to eliminating discrimination in the mortgage credit market and ensuring that all U.S. citizens, regardless of race or class, enjoy equal access