芝加哥的种族,犯罪和贷款风险:犯罪和混乱对HOLC邻里评估的相关性
Megan Evans1,2
1Max Planck Institute for Demographic Research, Rostock, Germany.
概括
种族构成,而不是被认为是犯罪,推动了房屋所有者贷款公司 (HOLC) 评估人员的红线划分. 歧视是嵌入在估值中,不仅仅是由于混乱的感知,揭示了历史的住房撤资根源.
科学领域:
- 城市研究 城市研究
- 住房政策 住房政策
- 历史地理 历史地理
背景情况:
- 学者们认识到种族对美国住房贷款和房价的影响.
- 对犯罪在贷款风险中的作用或种族对犯罪感知的影响的理解有限.
研究的目的:
- 检查犯罪感知和种族构成如何影响贷款风险评估.
- 使用HOLC地图分析评估人员关于社区犯罪和混乱的叙述.
- 调查观察到的条件,叙述和贷款决定之间的联系.
主要方法:
- 使用房屋所有者贷款公司 (HOLC) 芝加哥的住宅安全地图和描述.
- 综合的1940年人口普查数据和历史犯罪地图 (犯罪者的居住地,帮派活动).
- 分析了评估员的叙述,观察到的犯罪,以及与贷款风险相关的混乱感知.
主要成果:
- 犯罪和混乱的感知与邻里黑人人口密切相关,独立于实际的犯罪率.
- 观察到的犯罪和黑人种族构成都预测了贷款风险评估.
- 评估人员对混乱的看法并没有独立影响贷款风险决策.
结论:
- HOLC评估人员对犯罪和混乱的看法是基于种族的.
- 种族歧视是HOLC估值实践中固有的,不仅仅是由混乱的感知驱动的.
- 调查结果揭示了历史上的社区污名化和机构对住房的撤资.
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