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The likely outcome of eliminating the barrier
Wall, Larry D.; Reichert, Alan K.; Liang, Hsin-yu - 2008
The policy debate on whether to strengthen or to remove the legal barriers between banking and commerce has paid little attention to what the practical effects of removing the barriers would be. To help answer this question, this article, the first part of a two-part study, provides an overview...
Persistent link: https://www.econbiz.de/10003847359
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Risk and return using efficient portfolio analysis
Reichert, Alan K.; Wall, Larry D.; Liang, Hsin-yu - 2008
In the first part (in the previous issue of Economic Review) of this two-part study, the authors identified a number of possible benefits from combining banking and commerce, including portfolio diversification, the creation of internal capital markets, and economies of scale and scope. This...
Persistent link: https://www.econbiz.de/10003847363
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A lesson to learn from developed countries : the case of state branching deregulation in the US
Guillén, Jorge - In: Estudios de economía 36 (2009) 1, pp. 67-95
The era of US state branching deregulation started in 1970 and ended up with the enactment of the Riegle Neal Act of … influence of the state deregulation on commercial banks’ efficiency within the US. We calculate an indicator of bank efficiency … branching law deregulation on bank’s efficiency. The analysis is complemented with a failure prediction model using these DEA …
Persistent link: https://www.econbiz.de/10003974707
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Holes in the dike : the global savings glut, US house prices and the long shadow of banking deregulation
Hoffmann, Mathias; Stewen, Iryna - 2015
We explore empirically how capital inflows into the US and financial deregulation within the United States interacted … measure of financial liberalization, we focus on the history of interstate-banking deregulation during the 1980s, i.e. prior … of deregulation: in states that opened their banking markets to out-of-state banks earlier, house prices were more …
Persistent link: https://www.econbiz.de/10010515411
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Bank deregulation, competition and economic growth : the US free banking experience
Ager, Philipp; Spargoli, Fabrizio - 2013
We exploit the introduction of free banking laws in US states during the 1837-1863 period to examine the impact of removing barriers to bank entry on bank competition and economic growth. As governments were not concerned about systemic stability in this period, we are able to isolate the...
Persistent link: https://www.econbiz.de/10010227307
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Holes in the dike : the global savings glut, U.S. house prices and the long shadow of banking deregulation
Hoffmann, Mathias; Stewen, Iryna - 2014
We explore empirically how capital inflows into the US and financial deregulation within the United States interacted … measure of financial liberalization, we focus on the history of interstate-banking deregulation during the 1980s, i.e. prior … of deregulation: in states that opened their banking markets to out-of-state banks earlier, house prices were more …
Persistent link: https://www.econbiz.de/10010459858
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Bankers’ Pay after the 2008 Crisis : Regulatory Reforms in the US and the EU
Ferrarini, Guido - 2013
We examine the political dynamics which led to the codification of the Principles and Standards for sound compensation practices at financial institutions at international (G 20) level and to their subsequent implementation on both sides of the Atlantic. We show that the regulation of bankers'...
Persistent link: https://www.econbiz.de/10013091649
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Holes in the Dike : The Global Savings Glut, U.S. House Prices and the Long Shadow of Banking Deregulation
Hoffmann, Mathias - 2016
We show how capital inflows into and financial deregulation within the United States interacted in driving the recent … boom and bust in U.S. housing prices. Interstate banking deregulation during the 1980s cast a long shadow: in states that …
Persistent link: https://www.econbiz.de/10012999823
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Big Bad Banks? The Winners and Losers from Bank Deregulation in the United States
Beck, Thorsten - 2010
We assess the impact of bank deregulation on the distribution of income in the United States. From the 1970s through … performance. Exploiting the cross-state, cross-time variation in the timing of branch deregulation, we find that deregulation … little impact on incomes above the median. Bank deregulation tightened the distribution of income by increasing the relative …
Persistent link: https://www.econbiz.de/10013152550
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Evaluating the Real Effect of Bank Branching Deregulation : Comparing Contiguous Counties across U.S. State Borders
Huang, Rocco - 2009
change borders to estimate treatment effects for 23 separate deregulation events taking place between 1975 and 1990. To … at a 4 90% confidence level in five (and none prior to 1985) out of the 23 deregulation events examined. "Hinterland … consider and reject the possibility that cross-border spillover of deregulation effects may invalidate the empirical design …
Persistent link: https://www.econbiz.de/10013158565