, and local versus nonlocal banks – in banking relationships. The conventional paradigm suggests that "community banks … consistent with the conventional paradigm, perhaps because of changes in lending technologies and deregulation of the banking …

real estate (CRE) loans at many banks, particularly loans used to finance construction and land development (CLD). In … January 2006, they issued guidance that required banks with specific high concentrations in those asset classes to tighten … managerial controls. This paper shows that banks with concentrations in excess of the thresholds set in the guidance subsequently …

are placed on the number of accounts held with different banks. Therefore, under limited deposit insurance, some consumers … open accounts with different banks to achieve higher or full deposit insurance coverage. We compare three regimes of … deposit insurance weakens competition among banks and reduces total welfare relative to no or unlimited deposit insurance. …

, stochastic, general equilibrium model with endogenous producer entry. Integration of banking across localities reduces the degree … banking in the late 1970s. …

We investigate how the introduction of market-based pricing, the practice of tying loan interest rates to credit … origination and during the life of the loan. Our results also indicate that banks simplify the covenant structure of market …

injection announcements on systemic risk for the banking sector in the U.S. and the euro area between 2008 and 2013. We propose …

firms' lower borrowing costs relative to smaller financial firms. Using pricing data on credit default swaps (CDS) and …

Chinese firms' financing conditions, and provide further evidence on the nature of the misallocation of credit by China …'s dominant state-owned banks. …