共查询到20条相似文献，搜索用时 31 毫秒
1.
An Analysis of the Relationship Between Housing Foreclosures,Lending Practices,and Neighborhood Ecology: Evidence from a Distressed County 总被引：1，自引：1，他引：0
Residential foreclosures increased sharply during the 1990s and in the first years of the twenty-first century. These foreclosures have profound impacts on the households and neighborhoods involved. Although foreclosures occur everywhere, the geography of foreclosures displays a pattern tied to a metropolitan area's social, fiscal, and economic geography. We examine these correspondences as they exist within Summit County (Akron), Ohio, between 2001 and 2003. Foreclosures themselves often result from unfortunate financial events that can affect any household, but we found that the geography of foreclosures corresponds primarily to Summit County's racial distribution, above and beyond any correspondence with income levels and housing fiscal stress. There also exists a clear coincidence of foreclosures with subprime lending, itself associated with Summit County's racial patterns. Concentrations of foreclosures in particular neighborhoods can be tremendously harmful to the social and economic health of the neighborhood. These comparisons help us to better understand the neighborhood ecology of foreclosure rates and subprime lending. 相似文献
2.
《Urban geography》2013,34(8):745-784
In 2008, there will be at least 2.5 million new foreclosures in the United States. Record levels of mortgage delinquency, default, and foreclosure are causing widespread hardship in cities and suburbs across America, and causing repeated destabilization of global credit and investment markets. In this Forum, six housing specialists unravel the complex connections between urban geography, subprime lending, and foreclosure. Although a wide variety of view-points are represented, three common threads are evident. First, foreclosures are tightly linked to the lax underwriting standards and aggressive business practices of the subprime mortgage market. Second, the subprime-foreclosure linkage is a reflection of the steady deregulation of U.S. financial markets and the promotion of homeownership as the cornerstone of national housing policy. Third, deregulated mortgage market segmentation has created uneven new geographies of debt, risk, and default—superimposed atop existing landscapes of old-fashioned exclusionary discrimination. Low-income and racially marginalized neighborhoods, once redlined and excluded from mainstream credit markets, were at the center of the profitable wave of subprime abuse and equity extraction during the long housing boom, and are now at the center of the long, slowly unfolding catastrophe of the U.S. foreclosure crisis. 相似文献
3.
Abstract Since the period of bank deregulation in the 1980s, deferred deposit loan operations, better known as payday lenders, have become commonplace in the landscapes of many American cities. At the same time, traditional banking facilities have become less common, especially in the inner city. Growing disparities in the type of and accessibility to credit in the inner city has generated calls for greater regulation to curb practices by payday lenders that critics claim disproportionately affect poor and minority consumers. Payday lenders argue that they serve communities neglected by traditional banks. This article analyzes the site-location strategies of banks and payday lenders in metropolitan Louisiana, and in Cook County, Illinois, and finds that disenfranchised neighborhoods are simultaneously targeted by payday lenders and neglected by traditional banks. The implications these findings have for public policy and for ongoing discourses on the urban condition, race, and class are briefly discussed. 相似文献
4.
Steven M. Graves 《The Professional geographer》2003,55(3):303-317
Since the period of bank deregulation in the 1980s, deferred deposit loan operations, better known as payday lenders, have become commonplace in the landscapes of many American cities. At the same time, traditional banking facilities have become less common, especially in the inner city. Growing disparities in the type of and accessibility to credit in the inner city has generated calls for greater regulation to curb practices by payday lenders that critics claim disproportionately affect poor and minority consumers. Payday lenders argue that they serve communities neglected by traditional banks. This article analyzes the site‐location strategies of banks and payday lenders in metropolitan Louisiana, and in Cook County, Illinois, and finds that disenfranchised neighborhoods are simultaneously targeted by payday lenders and neglected by traditional banks. The implications these findings have for public policy and for ongoing discourses on the urban condition, race, and class are briefly discussed. 相似文献
5.
This article seeks to better understand geographic manifestations of housing foreclosure, moving beyond the usual portrayal that highlights, e.g., race/ethnicity and income. We depart from the usual analytical strategy which centers on factors that subsume high proportions of variance. Instead, this is the starting point for considering constellations and idiosyncratic but formative characteristics—contingencies—that further understanding of, e.g., why two households with identical attributes experience different outcomes. Empirical focus is on Columbus Ohio, 2003–2007. Regression analysis identifies central tendencies, followed by regression tree procedures that reveal variable combinations which alter correlational expectations. Unique areas are examined by neighborhood reconnaissance, exploratory data analysis, interviews, and archival research. Relevant factors include race/ethnicity and socio-economic characteristics. Beyond that, differing variable combinations lead to different outcomes, as do processes such as neighborhood life cycle, institutional actions/involvement, and year of home purchase/construction relative to housing de/inflation and mortgage market characteristics. 相似文献
6.
《Urban geography》2013,34(5):473-495
This article examines the practices and process that (re)produce neighborhoods. I argue that the practices producing neighborhoods in the 1970s inform the practices (re)producing neighborhoods today. Drawing upon Lefebvre's concepts of social space and spatial practice, Bourdieu's concepts of practice and habitus, and Pred's concept of place as a historically contingent process, I examine the (re)production of Milwaukee's Riverwest neighborhood as a process. Practices of institution building and protest were central to the production of this relatively socially inclusive and activist neighborhood. Over the past 30 years, through what could be defined as the habitus of place, the process of neighborhood (re)production continued many of the practices first established in the 1970s, as new practices addressed social and cultural changes. A focus on practices and process draws our attention to the (re)production of a relatively stable, consistent, long-term neighborhood identity. 相似文献
7.
Extensive research has been conducted on the factors that cause foreclosure and the resulting neighborhood contagion effects. When residents see concentrated foreclosed homes in their neighborhood, their perceptions of their neighborhood are often negatively affected. Despite the potential psychological effects of foreclosures on residents, no research has looked at foreclosure intensity and impacts on other residents' satisfaction in the neighborhood.We used the 2004 Homeowner Satisfaction Survey and foreclosed property data from 2001 to 2004 in Franklin County, Ohio to explore the effect of foreclosure intensity on resident satisfaction. We used a structural equation model to capture the chain reaction of concentrated neighborhood disadvantage on foreclosure intensity and residents' neighborhood satisfaction. We found that the impacts of foreclosures are not limited to lenders and owners of mortgaged homes but extended to other residents living in the neighborhood. In this regard, we recommend housing recession recovery efforts must incorporate programs to alleviate neighbors' psychological distress. 相似文献
8.
Kristen B. Crossney 《The Professional geographer》2013,65(2):153-170
U.S. housing policy strengthens the local specificity of capital through support for homeownership and the mortgage lending industry. As access to capital and homeownership rates have grown, predatory lending has emerged as a significant danger to homeowners and their surrounding communities. The geographic distribution is not well understood, likely due to the unavailability of mortgage data to identify instances of predatory lending. This article examines the spatial distribution of predatory lending in Philadelphia, Pennsylvania, using public mortgage and property data. Predatory lending is spatially clustered within the city, suggesting a spatial component of abusive lending patterns not previously addressed. U.S. housing policy and intervention strategies designed to prevent and reduce the incidence of predatory lending should address the spatial aspects of predatory lending to target efforts and prevent weakening local connections between capital and communities. 相似文献
9.
《Urban geography》2013,34(5):630-654
The wake of the foreclosure crisis warrants renewed attention to geographies of race and real estate. This case study of the San Francisco Bay Area shows that outlying exurban communities on the metropolitan fringe, which saw major in-migrations of communities of color over the past three decades, were hard hit by the real estate crash, after having seen substantial housing price increases during the tail end of the boom. The potential impact on wealth and asset accumulation for these communities is significant. Rather than traditional forms of segregation, this new geography of crisis suggests a form of peripheralization, where minority communities in particular were lured out to the far suburbs under structural conditions of neoliberalism, far different from the federally supported suburbanization of two generations ago. This new reality is reminiscent of the urban roots of the foreclosure crisis, and of the need to view the crisis at a metropolitan scale. 相似文献
10.
During the recent United States foreclosure crisis, investors purchased and leased thousands of homes nationwide, opening up formerly owner-occupied neighborhoods to renters. Yet, little is known about how this process affected regional patterns of residential segregation and inequality. In this study, we combine property-level data on real estate transactions and subsidized housing vouchers from 2004 to 2014 to assess whether the conversion of foreclosures to rentals enabled low-income renters to live in more advantaged neighborhoods in Phoenix, Arizona. Renters with vouchers living in investor-purchased foreclosures were in lower-poverty neighborhoods compared with those not living in investor-purchased foreclosures. This suggests that foreclosure sales may have widened the geography of opportunity for low-income renters with subsidized housing. 相似文献
11.
John B. Strait 《The Professional geographer》2006,58(1):39-53
Despite overall declines in infant mortality over the past few decades, racial disparities between blacks and whites have persisted in the United States. This article considers the argument that racial differences in infant mortality are partially the result of the disproportionate concentration of blacks within extremely poor neighborhoods relative to whites. Using race‐specific measures of neighborhood‐level poverty, combined with metropolitan‐wide measures of infant mortality, it was determined that trends in infant mortality for both blacks and whites reflect the impact of an intergenerational effect associated with prolonged exposure to extremely poor neighborhoods. Racial disparities in infant mortality in the early 1980s can be accounted for by black – white differences in neighborhood poverty exposure. Results suggest, however, that black infant mortality during the early 1990s was much more strongly influenced by high‐risk natality behaviors among black women than by economic status or neighborhood influences. 相似文献
12.
13.
《Urban geography》2013,34(3):212-231
Annual price indices of owner-occupied single-family houses are estimated for 111 neighborhoods in Milwaukee, Wisconsin, for the period of 1971-1993 using hedonic price methods controlling for quality differences across housing units. The rates of price appreciation vary significantly from neighborhood to neighborhood. During the 22-year study period, nominal house prices in some neighborhoods increased more than 500%, whereas those in others decreased. In general, the neighborhoods close to each other exhibit similar price movements. In some cases, however, there are sharp differences between the neighborhoods when strong boundaries, such as a river or an expressway, exist between them even though the physical distance between them is small. Poor neighborhoods generally have experienced low appreciation rates, although the racial composition and the crime rate in the neighborhood seem to contribute the differential as well. 相似文献
14.
《Urban geography》2013,34(6):552-566
Responding to previous analyses that assume that places are passive recipients of the various macro-level social phenomena associated with concentrated urban poverty, I hypothesize that concentrated urban poverty takes on different forms in different places as a result of how macro-level social phenomena are mediated by locally specific structures. To investigate how concentrated urban poverty takes on different forms in different places, I first decompose the poverty rates of all high-poverty urban neighborhoods in the United States into their race-specific rate and composition effects, and classify high-poverty neighborhoods based on these decomposition values. The results of the analysis demonstrate that poverty in a majority of the high-poverty neighborhoods in the United States is undoubtedly affected by geographically specific processes. For example, within one set of high-poverty neighborhoods, poverty is associated with both the lack of economic opportunity and high rates of class-based residential segregation within mixed-race immigrant ethnic/immigrant enclaves in large gateway cities. A second set of high-poverty neighborhoods, located in the metropolitan areas of the southern United States, has high rates of poverty because of the residential segregation and geographic concentration of poverty-prone African Americans. And lastly, among a third set of tracts, poverty experiences in African American ghettos are linked to declining economic and social opportunities and class-based residential segregation within large manufacturing cities. A set of recommendations for additional research includes addressing how one-size-fits-all anti-poverty public policies should be modified for the specific needs of each type of high-poverty neighborhood. [Key words: context, poverty, segregation, employment, race, ethnicity.] 相似文献
15.
The divergent city: unequal and uneven development in St. Louis 总被引：1，自引：1，他引：0
In St. Louis, as in many other cities, decline and displacement occurred when key policies, prejudices, and plans interacted with broad economic restructuring to devastate poor and minority communities, while leaving White and middle-class communities largely intact. Amidst overall population loss and neighborhood decline are pockets of prosperity and gentrification within the central city. In this article, we analyze three significant planning interventions in St. Louis, Missouri, that spurred displacement of populations—urban renewal, triage, and the foreclosure crisis. We argue that the differential experiences of Black and White during each of these periods represent two faces of development: one in the north of the city that is largely Black, experiencing vacant land, high crime, and crumbling infrastructure; another in the south of the city that is largely White, enjoying pockets of vibrant commercial development, larger homes, and stable real estate markets. We analyze each period through a framework of uneven and unequal development and displacement, which we call the Divergent City Theory. Based on this theory, planners face an ethical obligation to plan for the future of their cities in a way that seeks to reconcile the structured race and class inequalities of the divergent city. 相似文献
16.
Caroline Faria Bisola Falola Jane Henderson Rebecca Maria Torres 《The Professional geographer》2019,71(2):364-376
Despite decades of recognition and worry about diversity, our discipline remains persistently white. That is, it is dominated by white bodies and it continues to conform to norms, practices, and ideologies of whiteness. This is a loss. At best, it limits the possibilities and impact of our work as geographers. At worst, it perpetuates harmful exclusions in our discipline: its working environments, its institutions, and its knowledge production. This remains deeply concerning for many geographers, and there has been important research, commentary, and institutional activity over the years. Yet, research shows us that little meaningful progress has been made. We know that mentoring is one vital part of the journey toward change. As such, we reflect here on our experience developing a research collective built on a transformative mentoring practice. We outline the key challenges, strategies, and tentative successes of the collective in supporting women of color undergraduate, graduate, and faculty geographers, arguing that such feminist formations are a vital part of the path to intellectual racial justice in our field. Key Words: diversity, feminist geography, higher education, mentoring, race. 相似文献
17.
基于邻里效应视角的城市居民心理健康影响因素研究——以广州市为例 总被引：6，自引：3，他引：3
随着新型城镇化、健康中国等战略的提出,“城市健康”成为社会各界关注的重要议题。然而,既有研究较少基于邻里效应的视角,揭示城市社区环境对居民心理健康的影响因素。论文基于2015年广州市23个社区的1150份问卷调查数据,从邻里效应的视角出发,采用多层线性回归模型,识别了广州市居民心理健康的决定因素,尤其关注社区建成环境和社会环境的影响。研究发现,广州市居民的心理健康水平在社区层面存在空间异质性,由个体层面因素与社区层面因素所共同决定。就个体因素而言,受教育程度、住房产权和身体健康状况对心理健康水平有显著的正向预测作用;就社区建成环境因素而言,服务设施配套和公园绿地供给均与心理健康水平呈显著的正相关关系;就社区社会环境因素而言,社区纠纷数量对心理健康有显著的负向预测作用,社区组织数量和邻里交往频率对心理健康有显著的正向预测作用。建议通过社区规划和社区建设,加大公共服务设施和公园绿地的供给,健全社区组织,鼓励邻里交往,从而提升居民的心理健康水平。 相似文献
18.
《Urban geography》2013,34(4):371-376
In the second half of the 20th century, considerable resources and efforts have been devoted to revitalizing American central cities. In these redevelopment processes, however, the common byproduct of physical upgrading is social upgrading, the displacement of many of the original residents, who are often low-income and minority, from their traditional neighborhoods. This article explores the various processes of physical and social upgrading—including locally driven urban renewal, private sector "blockbusting," and gentrification—occurring in late 20th century Houston, Texas. This research also examines the neighborhood characteristics and demographic patterns that influence the occurrence of specific upgrading processes. One location of particular interest in the study is Houston's historic African American community of Freedmen's Town, which has experienced decades of conflict over land and space. Most recently, Freedmen's Town has been at the focus of Houston's urban revival, where physical upgrading has been accompanied by the displacement of the community's traditional population and the destruction of this historic neighborhood. 相似文献
19.
随着城市居民对居住环境质量追求的不断提升,绿地作为一种稀缺资源,对居民地方依恋具有重要影响。论文使用“快鸟”高分辨率遥感影像以及广州市1232份居民问卷数据,采用多层级中介效应模型,探索城市绿地对居民地方依恋的影响机制,尤其关注居住环境满意度的中介效应,并对比封闭社区与非封闭社区的差异。研究发现：① 绿地能够直接提升居民的地方依恋;② 居住环境满意度作为中介变量,是绿地影响居民地方依恋的传导因素;③ 对于封闭社区,居住环境满意度起部分中介效应,即绿地通过居住环境满意度间接提升了居民的地方依恋;④ 对于非封闭社区,居住环境满意度起完全中介效应,即居住环境满意度完全解释了绿地对地方依恋的影响。基于实证结果,论文认为在注重绿地的空间均等化并向弱势群体倾斜的同时,更需要考虑居民进入与使用绿地的权利以及其主观满意度,并在此基础上为优化地方政府的社区治理和规划政策提供支撑与建议。 相似文献
20.
Geographies of the financial crisis 总被引：4，自引：0，他引：4
Manuel Aalbers 《Area》2009,41(1):34-42
Real estate is, by definition, local as it is spatially fixed. Mortgage lending, however, has developed from a local to a national market and is increasingly a global market today. An understanding of the financial crisis is ultimately a spatialised understanding of the linkages between local and global. This article looks at the geographies of the mortgage crisis and credit crunch and asks the question: how are different places affected by the crisis? The article looks at different states, different cities, different neighbourhoods and different financial centres. Investors in many places had invested in residential mortgage backed securities and have seen their value drop. Housing bubbles, faltering economies and regulation together have shaped the geography of the financial crisis on the state and city level in the US. Subprime and predatory lending have affected low-income and minority communities more than others and we therefore not only see a concentration of foreclosures in certain cities, but also in certain neighbourhoods. On an international level, the long-term economical and political consequences of this are still mostly unknown, but it is clear that some financial centres in Asia (including the Middle East) will become more important now that globalisation is coming full circle. This article does not present new empirical research, but brings together work from different literatures that all in some way have a specific angle on the financial crisis. The aim of this article is to make the geographical dimensions of the financial crisis understandable to geographers that are not specialists in all – or even any – of these literatures, so that they can comprehend the spatialisation of this crisis. 相似文献