References

Al-Muharrami S, Matthews K, Khabari Y 2006 Market structure and competitive conditions in the Arab GCC banking system. Journal of Banking and Finance 30 3487-3501 Alegria C, Schaeck K 2008 On measuring concentration in banking systems. Finance Research Letters 5 59-67 Allen F, Gale D 2004 Competition and financial stability. Journal of Money, Credit, and Banking 36 3 453-480 Allen F, Gersbach H, Krahnen J-P, Santomero AM 2001 Competition among banks Introduction and conference overview....

Why Do We Focus on Regional Banking Structures

Our approach is somewhat novel and has to be motivated in some detail, with regard to both a the relationship between barriers and our quantity-based measure of integration the degree of localism of a banking system and b the focus on regional data. Dell'Ariccia 2001 , Marquez 2002 and Hauswald and Marquez 2006 all provide a convenient framework to understand the relationship between informational barriers and local banking structures. As incumbent banks gather information about borrowers...

Info

DeYoung R, Frame WS, Glennon D, McMillen DP, Nigro PJ 2007a Commercial lending distance and historically underserved areas. Federal Reserve Bank of Atlanta Working Paper No. DeYoung R, Frame WS, Glennon D, Nigro PJ 2007b What's driving small borrower-lender distance Working paper Dick AA 2008 Demand estimation and consumer welfare in the banking industry. Journal of Banking and Finance 32 8 1661-1676 Elliehausen GE, Wolken JD 1990 Banking markets and the use of financial services by small and...

Measuring Concentration and Competition

Studies that assess competition and concentration in banking systems both within and across countries tend to rely upon a small number of commonly utilized measures that are available.10 Generally, two types of competition measures have been used in the extant literature on competition and concentration - these are referred to as structural and nonstructural indicators see Section 7.3, Bikker 2004, Carbo et al. 2009 . As alluded to previously, among the standard market structure indicators used...

Empirical Evidence on the Importance of Distance

Several studies have empirically examined how geographic distance is related to banking. Generally, the studies present empirical evidence that is broadly consistent with the hypothesis that in recent years the distance between financial institutions and their customers has been nondecreasing over time. Most of these studies base their conclusions on average distances across firms and institutions. 3.2.3.1 Consumer Household Users of Financial Services The literature on the evolving role of...

Scott J.a. 2004. Small Business And Value Of Community Financial Institutions.

Agarwal S, Hauswald R 2006 Distance and information asymmetries in lending. Federal Reserve Bank of Chicago Working Paper Agarwal S, Hauswald R 2007 The choice between arm's-length and relationship debt Evidence from eLoans. Federal Reserve Bank of Chicago Working Paper 11 One recent paper emphasized that the viable model for community i.e., small banks in the long run is likely one that emphasizes personalized service and relationships based on soft information DeYoung et al. 2004 . The...