City insurance in the United States "red line discrimination" on the issue

"Red line discrimination (redlining)" in the United States has a specific meaning, but also the insurance field on one of the hot issues. This paper from car insurance, mortgage insurance and other areas of public service perspective summed up the three "red line discrimination" of actual performance. And from racial discrimination and lack of credit at two levels of "red line discrimination" and view the formation mechanism of dispute. That understanding the race issue is still "red line discrimination" is an important perspective, to fully understand the "red line discrimination" is complex and profound socio-economic background of a reasonable public policy formulation and development strategies, and safeguard social fairness and justice from a regional level Deal with "red line discrimination" and to reduce the negative externalities; give full play to the strength of the market-distorting negative impact on the corrective role.

Key words: inner city; red line discrimination; mortgage vehicle insurance; social justice