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I show that the deregulation of bank branching in the United States lowered the sensitivity of small business growth to … local credit supply. In urban markets, within-state deregulation of branching resulted in an 80% decrease in the effect of … local deposit growth on the growth of establishments with 20-99 employees. Across-state deregulation had an effect of …
Persistent link: https://www.econbiz.de/10013065414
Using comprehensive loan-level data in China, we investigate how the deregulation on bank entry barriers alters local … deregulation are adversely mitigated by entrant banks' preferences for lending to SOEs over more productive private firms. This …
Persistent link: https://www.econbiz.de/10012900427
How did the deregulation of U.S. bank activities affect the patterns of cross-border lending to emerging economies …. Using U.S. cross-border bank exposure data, this study identifies a temporal association between important deregulation … important outcome of bank deregulation-earnings volatility from diversified bank activities-and the rising volatility. Together …
Persistent link: https://www.econbiz.de/10012942735
This paper examines how interstate banking deregulation affects mortgage lending to minorities. I find that the … mortgage approval rates for African Americans, compared with other borrowers, decrease after interstate banking deregulation. I … that the effect is driven by the strengthening of the bank balance sheet after deregulation, but not by the increased …
Persistent link: https://www.econbiz.de/10012862102
Using comprehensive loan-level data in China, we investigate how the deregulation on bank entry barriers alters local … deregulation are adversely mitigated by entrant banks’ preferences for lending to SOEs over more productive private firms. This …
Persistent link: https://www.econbiz.de/10013313377
Bank deregulation in the form of the repeal of the Glass-Steagall Act facilitated the entry of non-bank lenders into …
Persistent link: https://www.econbiz.de/10014533282
, influence their labor decisions, and impact their ultimate survival. Using the U.S. branching deregulation from the 1990s, I …
Persistent link: https://www.econbiz.de/10013405115
, influence their labor decisions, and impact their ultimate survival. Using the U.S. branching deregulation from the 1990s, I …
Persistent link: https://www.econbiz.de/10014255173
We analyze the relationship between loan pricing and market concentration in the US corporate loan market by creating a measure of markup using banks’ internal loan risk assessments. Our risk-adjusted measure of markup is orthogonal to the subsequent performance of loans, while a measure that...
Persistent link: https://www.econbiz.de/10013313595
Exploiting differential interstate branching deregulation across contiguous counties of adjacent states, we investigate …
Persistent link: https://www.econbiz.de/10012974743