Do bank branches matter anymore?
Bank branches have been disappearing in some major metropolitan areas, as their populations and economic activity decline. Our research suggests that brick-and-mortar branches provide tangible benefi ts to consumers, especially in low- and moderate-income neighborhoods. When branches are located in these areas, borrowers living there default less and have greater access to credit.
Volume (Year): (2011)
Issue (Month): Aug ()
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- Robert DeYoung & W. Scott Frame & Dennis C. Glennon & Daniel P. McMillen & Peter Nigro, 2007.
"Commercial lending distance and historically underserved areas,"
FRB Atlanta Working Paper
2007-11, Federal Reserve Bank of Atlanta.
- DeYoung, Robert & Frame, W. Scott & Glennon, Dennis & McMillen, Daniel P. & Nigro, Peter, 2008. "Commercial lending distance and historically underserved areas," Journal of Economics and Business, Elsevier, vol. 60(1-2), pages 149-164.
- O. Emre Ergungor, 2006.
"Bank branch presence and access to credit in low-to-moderate income neighborhoods,"
0616, Federal Reserve Bank of Cleveland.
- Ozgur Emre Ergungor, 2010. "Bank Branch Presence and Access to Credit in Low- to Moderate-Income Neighborhoods," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 42(7), pages 1321-1349, October.
- O. Emre Ergungor & Stephanie Moulton, 2011. "Beyond the transaction: depository institutions and reduced mortgage default for low-income homebuyers," Working Paper 1115, Federal Reserve Bank of Cleveland.
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