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Community banks’ capital regulation and regional marital structure

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  • Yang, Chenzi
  • Si, Deng-Kui

Abstract

Direct synergy exists between community banks and local economic development, but the regulation of community banks has often been overlooked due to the common misconception that community banks are too small to make a significant impact. This paper demonstrates that bank capital requirements have an inverted U-shaped impact on local unmarried and divorce rates, and a U-shaped impact on married rate in the states where community banks operate. Moreover, the mechanisms through which capital requirements influence marriage decisions are via the supply of investment and insurance financial products by community banks. The expansion of banks’ financial products, triggered by tightened capital requirements, will enhance the banks’ influence on marriage choices. Additionally, regional employment exhibits a threshold effect on the impact of bank requirements on marital structure. The influence of bank requirements on marital structure will significantly increase due to an accelerator effect when local employment reaches a certain level.

Suggested Citation

  • Yang, Chenzi & Si, Deng-Kui, 2026. "Community banks’ capital regulation and regional marital structure," Economic Analysis and Policy, Elsevier, vol. 91(C), pages 1055-1071.
    • Handle: RePEc:eee:ecanpo:v:91:y:2026:i:c:p:1055-1071
    DOI: 10.1016/j.eap.2026.04.009
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    Keywords

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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • J12 - Labor and Demographic Economics - - Demographic Economics - - - Marriage; Marital Dissolution; Family Structure
    • R11 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - Regional Economic Activity: Growth, Development, Environmental Issues, and Changes

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