[20181214]IF11048_银行监管简介：信用合作社和社区银行：比较.pdf

https:/crsreports.congress.gov December 14, 2018Introduction to Bank Regulation: Credit Unions and Community Banks: A ComparisonDepository institutionsspecifically, credit unions and banksprovide financial services to savers (via accepting checking and savings deposits) and borrowers (via providing consumer and business loans). A credit union is a membership-owned cooperative organization established on the basis of its common bond (occupation, association, or geographical definition), specified by its federal or state charter. Credit unions face statutory restrictions on their customer base and commercial lending activities because, as specified in the Federal Credit Union Act of 1934 (FCU Act; 48 Stat.1216), they are formed for the purpose of promoting thrift among their members and providing them with a low-cost source of credit. Conversely, a bank is a for-profit institution owned by equity holders who may not necessarily be customers (depositors or borrowers). Although it must also obtain a state or federal charter, a bank does not have similar membership and commercial lending restrictions. Credit unions and banksparticularly community banksstill provide similar financial se