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| Tekijä: | Collender, R. N. Shaffer, S. |
| Otsikko: | Local bank office ownership, deposit control, market structure, and economic growth |
| Lehti: | Journal of Banking and Finance
2003 : JAN, VOL. 27:1, p. 27-57 |
| Asiasana: | Commercial banks Banking Company ownership Market structure Economic growth |
| Kieli: | eng |
| Tiivistelmä: | The paper tests empirical associations between banking market structure, banking regulation, and subsequent growth rates in local real per capita personal income. The findings suggest that out-of-market bank mergers or acquisitions need not, ceteris paribus, impair local economic growth, and may even have beneficial effects in rural markets with the possible expection of farm-dependent areas. These findings derive from empirical models that relate both short-run and long-run growth rates to geographic restrictions on bank activity, concentration in local banking markets, in-market versus out-of-market ownership of local bank offices, and in-market versus out-of-market control of local bank deposits. |
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