Compared to banks that are not undergoing examination, the volume of loans by banks in the six quarters surrounding a CRA examination is 5% higher, and these loans are 15% more likely to be delinquent one year after origination. In other words, banks undergoing examination lend more and make riskier loans – and these findings are even more pronounced in CRA-eligible tracts.
结论是清晰的。与没有受到检查的银行相比，六个季度中受到CRA检查的银行的贷款量要高出5%，且这些贷款在发出一年后被拖欠的可能性要高15%。换句话说，接受检查的银行贷款更多，贷款风险也更大，这一发现在符合条件的CRA目标区域更加显著。