process of interstate bank deregulation that lowered barriers to competition across U.S. states over the 1980s and 1990s with … facing each individual bank. We find that regulatory-induced competition reduced liquidity creation. Consistent with some …

We examine the effects of competition on bank risk. We find strong evidence that interstate banking deregulation … suggest that in contrast to previous studies that focus on large banks, the impact of interstate banking deregulation on bank … — which generally increases bank competition — is associated with lower bank risk and some evidence intrastate branching …

-in-differences design, and a sample of 596 banks (17,783 bank-year proposals), we are the first to provide large-sample, systematic evidence … further document that the relation between the two is more pronounced among states with higher degrees of deregulation and … weaker levels of pre-deregulation competition. Overall, our findings are consistent with the notion that increased …

banking services and reducing discrimination. Exploiting the interstate bank deregulation from 1994 to 2021, I find that …This paper provides evidence that bank competition reduces gender and racial gaps in entrepreneurship by improving … stronger bank competition increases the quantity and quality of banking services provided to minority borrowers. I develop a …

We analyze how the deregulation of Fintech investing affects banks’ deposit funding costs in the US. Using the … exogenous removal of marketplace investing restrictions by US states, we show the cost of bank deposits increases by … approximately 2.26%. The effects are attributable to deregulation provoking more intense deposit competition that reduces deposit …

distressed firms obtaining zombie lending. Using China’s 2009 bank entry deregulation as a quasi-natural experiment, the paper …Can bank competition help attenuate the prevalence of zombie firms? Motivated by a stylized model, this paper studies … the effect of bank competition on the formation of zombie firms in two stages: the formation of distressed firms and …