, and the bank approval disparity is also larger in more racially biased counties. We conclude that insofar as automation by …

This paper analyzes the effects of bank mergers on bank firm relationships. Using matched bank-firm level data, I find … positive effects of mergers for borrowers that continue the lending relationship with the consolidated bank. On average …

We examine the relationship between the number of bank relationships and firms’ performance, evaluating possible … listed and for which bank debt is a major source of financing. In the sample, 4 percent of the firms have a single bank … as the number of bank relationships increases, with a stronger relationship for small firms than for large firms. We also …

In this paper we propose minority voting as a scheme that can partially protect individuals from the risk of repeated …: voting winners, voting losers, and absentees. Under minority voting only voting losers keep the voting right in the second … period. We show that as soon as absolute risk aversion exceeds a threshold value minority voting is superior to repeated …

In this paper we propose minority voting as a scheme that can partially protect individuals from the risk of repeated …: voting winners, voting losers, and absentees. Under minority voting only voting losers keep the voting right in the second … period. We show that as soon as absolute risk aversion exceeds a threshold value minority voting is superior to repeated …

leave the sciences and take longer to graduate at each campus. We show the vast majority of minority students would be more … results do not apply for non-minority students. …