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Geographic liberalization and the accessibility of banking services in rural areas

  • Jeffery W. Gunther
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    This study assesses the degree to which the liberalization of geographic banking restrictions has lived up to its promise of enhancing service accessibility in rural areas. The empirical framework is distinguished by a focus on changes in accessibility, as opposed to levels. While previous research has produced mixed results on the benefits of greater geographic powers for service accessibility in rural communities, the results reported here point unambiguously to a positive relationship between expansion opportunities and accessibility. Both OLS and ordinallevel probit regressions indicate that geographic banking liberalizations, particularly those leading to greater branching opportunities, have been associated with relatively strong growth in the number of banking offices serving rural areas.

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    Paper provided by Federal Reserve Bank of Dallas in its series Financial Industry Studies Working Paper with number 97-1.

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    Date of creation: 1997
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    Handle: RePEc:fip:feddfi:97-1
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    1. repec:tpr:qjecon:v:111:y:1996:i:3:p:639-70 is not listed on IDEAS
    2. Allen N. Berger & Anil K. Kashyap & Joseph Scalise, 1995. "The Transformation of the U.S. Banking Industry: What a Long, Strange Trip It's Been," Center for Financial Institutions Working Papers 96-06, Wharton School Center for Financial Institutions, University of Pennsylvania.
    3. Ben S. Bernanke, 1993. "Credit in the macroeconomy," Quarterly Review, Federal Reserve Bank of New York, issue Spr, pages 50-70.
    4. Mark Gertler, 1988. "Financial structure and aggregate economic activity: an overview," Proceedings, Federal Reserve Bank of Cleveland, pages 559-596.
    5. Mark Drabenstott, 1995. "Capital for agriculture and rural America: redefining the federal role," Economic Review, Federal Reserve Bank of Kansas City, issue Q III, pages 57-62.
    6. Evanoff, Douglas D, 1988. "Branch Banking and Service Accessibility," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 20(2), pages 191-202, May.
    7. King, Robert G. & Levine, Ross, 1993. "Finance, entrepreneurship and growth: Theory and evidence," Journal of Monetary Economics, Elsevier, vol. 32(3), pages 513-542, December.
    8. Jappelli, Tullio & Pagano, Marco, 1992. "Saving, Growth and Liquidity Constraints," CEPR Discussion Papers 662, C.E.P.R. Discussion Papers.
    9. Bencivenga, V.R. & Smith, B.D., 1988. "Financial Intermediation And Endogenous Growth," RCER Working Papers 124, University of Rochester - Center for Economic Research (RCER).
    10. Greenwood, J. & Jovanovic, B., 1990. "Financial Development, Growth, And The Distribution Of Income," University of Western Ontario, The Centre for the Study of International Economic Relations Working Papers 9002, University of Western Ontario, The Centre for the Study of International Economic Relations.
    11. Savage, Donald T & Humphrey, David Burras, 1979. "Branching Laws and Banking Offices: A Comment," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 11(2), pages 227-30, May.
    12. R. Alton Gilbert & Kevin L. Kliesen, 1995. "Deregulation or Reregulation of Agricultural Banks," American Journal of Agricultural Economics, Agricultural and Applied Economics Association, vol. 77(3), pages 757-761.
    13. Charles W. Calomiris & R. Glenn Hubbard & James H. Stock, 1986. "The Farm Debt Crisis and Public Policy," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 17(2), pages 441-486.
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