YongDong Zou (Sany Group, Changsha, Hunan, CHINA) Stephen M. Miller () (Department of Economics, University of Nevada, Las Vegas) Bernard Malamud (Department of Economics, University of Nevada, Las Vegas)
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This paper examines the effects of geographical deregulation on commercial bank performance across states. We reach some general conclusions. First, the process of deregulation on an intrastate and interstate basis generally improves bank profitability and performance. Second, the macroeconomic variables -- the unemployment rate and real personal income per capita – and the average interest rate affect bank performance as much, or more, than the process of deregulation. Finally, while deregulation toward full interstate banking and branching may produce more efficient banks and a healthier banking system, we find mixed results on this issue.
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Paper provided by University of Nevada, Las Vegas , Department of Economics in its series Working Papers with number
0802.
Find related papers by JEL classification: E5 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit G2 - Financial Economics - - Financial Institutions and Services
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