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Regulation, Competition, and Technology: The Restructuring of the US Commercial Banking System


  • B P Holly

    (Department of Geography, Kent State University, Kent, Ohio 44242, USA)


The impact on the US commercial banking system of government regulation, of increased competition from other financial services sectors, and of new technology is examined in this paper. The banking industry is responding by creating the semblance of an interstate banking system through merger and acquisition. Multibank holding companies have forged regional banking organisations despite federal prohibitions. A model of the bank merger process is presented. In the spatial context, the possible consequences of this merger process include reduction in the number of banks and branch offices, migration of banking functions up the urban hierarchy, and outflow of funds from small cities and rural areas towards regionally important cities and the international market.

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  • B P Holly, 1987. "Regulation, Competition, and Technology: The Restructuring of the US Commercial Banking System," Environment and Planning A, , vol. 19(5), pages 633-652, May.
  • Handle: RePEc:sae:envira:v:19:y:1987:i:5:p:633-652
    DOI: 10.1068/a190633

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    References listed on IDEAS

    1. Jim Burke, 1984. "Antitrust laws, Justice department guidelines, and the limits of concentration in local banking markets," Staff Studies 138, Board of Governors of the Federal Reserve System (U.S.).
    2. Charles S. Morris, 1984. "The competitive effects of interstate banking," Economic Review, Federal Reserve Bank of Kansas City, vol. 69(Nov), pages 3-16.
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    Cited by:

    1. Brett Christophers, 2014. "Competition, Law, and the Power of (Imagined) Geography: Market Definition and the Emergence of Too-Big-to-Fail Banking in the United States," Economic Geography, Clark University, vol. 90(4), pages 429-450, October.

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