全球智库信息集成服务系统(G2TT): DP13741 The Geographic Flow of Bank Funding and Access to Credit: Branch Networks, Local Synergies, and Competition

G2TT

来源类型	Discussion paper
规范类型	论文
来源ID	DP13741
	DP13741 The Geographic Flow of Bank Funding and Access to Credit: Branch Networks, Local Synergies, and Competition
	Victor Aguirregabiria; Robert Clark; Hui Wang
发表日期	2019-05-18
出版年	2019
语种	英语
摘要	Geographic dispersion of depositors, borrowers, and banks may prevent funding from flowing to areas of high loan demand, limiting credit access. We provide evidence of geographic imbalance of deposits and loans, and develop a methodology for investigating the contribution to this imbalance of (i) branch networks, (ii) market power, and (iii) scope economies, using US bank-county-year level data. Results are based on a novel measure of deposits and loans imbalance, and estimation of a structural model of bank competition that admits interconnections across locations and between deposit and loan markets, thereby permitting counterfactuals highlighting the role of the three factors.
主题	Financial Economics ; Industrial Organization
关键词	Geographic flow of bank funds Access to credit Bank competition Branch networks Economies of scope between deposits and loans
URL	https://cepr.org/publications/dp13741
来源智库	Centre for Economic Policy Research (United Kingdom)
资源类型	智库出版物
条目标识符	http://119.78.100.153/handle/2XGU8XDN/542605
推荐引用方式 GB/T 7714	Victor Aguirregabiria,Robert Clark,Hui Wang. DP13741 The Geographic Flow of Bank Funding and Access to Credit: Branch Networks, Local Synergies, and Competition. 2019.