Motivated by public policy debates about bank consolidation and conflicting theoretical predictions about the … relationship between the market structure of the banking industry and bank fragility, this paper studies the impact of bank … concentration, bank regulations, and national institutions on the likelihood of suffering a systemic banking crisis. Using data on …

We assess the impact of bank deregulation on the distribution of income in the United States. From the 1970s through … the 1990s, most states removed restrictions on intrastate branching, which intensified bank competition and improved bank … little impact on incomes above the median. Bank deregulation tightened the distribution of income by increasing the relative …

This paper gauges the effect of financial deepening and bank outreach on informality using micro data from the Indian … productivity of formal firms. We find that bank outreach has a stronger effect on reducing the incidence of informality by cutting …

We analyze the credit supply and real sector effects of bank bail-ins by exploiting the unexpected failure of a major … Portuguese bank and subsequent resolution. Using a matched firm-bank dataset on credit exposures and interest rates, we show that …

literature has mainly used aggregate measures of overall bank lending to the private sector. We construct a new dataset from 45 … developed and developing countries, decomposing bank lending into lending to enterprises and lending to households and assess …

inefficiencies, as the various distortions can offset each other. Empirical analysis using bank-level data from the recent crisis …

We assess the ability of bank resolution frameworks to deal with systemic banking fragility. Using a novel and detailed … database on bank resolution regimes in 22 member countries of the Financial Stability Board, we show that systemic risk, as … measured by Delta CoVaR, increases more for banks in countries with more comprehensive bank resolution frameworks after …

Deposit insurance schemes and bank failure resolution systems are asked to fulfill conflicting public policy objectives …: On the one hand, they are supposed to protect small depositors and prevent contagion risks from bank runs; on the other … effort in the group to understand the effects of deposit insurance and bank failure resolution …