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Bank Branching Strategies in the 1997 Thai Financial Crisis and Local Access to Credit

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  • Walsh, Christoph
  • Rysman, Marc
  • Townsend, Robert

Abstract

The effect of financial crises on bank branch location choices provides an unexplored channel by which crises affect access to credit for many years. We estimate a dynamic structural model of oligopolistic location choice for Thai banks allowing for competitive effects between rival banks. We predict the evolution of branch locations under the counterfactual scenario of no financial crisis in 1997. We find that there would have been 18.5% more branches and 9.3% more markets with at least one branch after ten years in the absence of the crisis. Furthermore, access to loans would have increased by 8.0 percentage points.

Suggested Citation

  • Walsh, Christoph & Rysman, Marc & Townsend, Robert, 2023. "Bank Branching Strategies in the 1997 Thai Financial Crisis and Local Access to Credit," CEPR Discussion Papers 17869, C.E.P.R. Discussion Papers.
    • Handle: RePEc:cpr:ceprdp:17869
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    More about this item

    Keywords

    Banking;

    JEL classification:

    • D43 - Microeconomics - - Market Structure, Pricing, and Design - - - Oligopoly and Other Forms of Market Imperfection
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L13 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Oligopoly and Other Imperfect Markets
    • L80 - Industrial Organization - - Industry Studies: Services - - - General

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