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Big Bad Banks? The Impact of U.S. Branch Deregulation on Income Distribution
Beck, Thorsten; Levine, Ross; Levkov, Alexey - 2012
Policymakers and economists disagree about the impact of bank regulations on the distribution of income. Exploiting cross-state and cross-time variation, the authors test whether liberalizing restrictions on intra-state branching in the United States intensified, ameliorated, or had no effect on...
Persistent link: https://www.econbiz.de/10012552777
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Bank Regulations Are Changing : For Better or Worse?
Barth, James R.; Caprio, Gerard, Jr.; Levine, Ross - 2012
This paper presents new and official survey information on bank regulations in 142 countries and makes comparisons with two earlier surveys. The data do not suggest that countries have primarily reformed their bank regulations for the better over the last decade. Following Basel guidelines many...
Persistent link: https://www.econbiz.de/10012552433
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Bank Competition and Financial Stability
Berger, Allen N.; Klapper, Leora F.; Turk-Ariss, Rima - 2012
Under the traditional "competition-fragility" view, more bank competition erodes market power, decreases profit margins …, and results in reduced franchise value that encourages bank risk taking. Under the alternative "competition … suggest that - consistent with the traditional "competition-fragility" view - banks with a greater degree of market power also …
Persistent link: https://www.econbiz.de/10012552488