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that the cost of bank loans is significantly higher for firms headquartered in states with greater local product market … competition. We find that the cost of bank loans is lower for firms facing less intense local product market competition after the …
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staggered relaxation of branching restrictions in the 1990s across states, we find that banking deregulation decreases local …-white mortality gap. We further analyze the role of mortgage markets as a transmitter between banking deregulation and mortality and …
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