Publication:
Big Bad Banks? The Impact of U.S. Branch Deregulation on Income Distribution

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dc.contributor.authorLevine, Ross
dc.contributor.authorBeck, Thorsten
dc.contributor.authorLevkov, Alexey
dc.date.accessioned2012-06-06T17:57:01Z
dc.date.available2012-06-06T17:57:01Z
dc.date.issued2007-08
dc.description.abstractPolicymakers and economists disagree about the impact of bank regulations on the distribution of income. Exploiting cross-state and cross-time variation, the authors test whether liberalizing restrictions on intra-state branching in the United States intensified, ameliorated, or had no effect on income distribution. The analysis finds that branch deregulation lowered income inequality by affecting labor market conditions, not by boosting the business income of the poor, nor by enhancing educational attainment. Reductions in the earnings gap between men and women and between skilled and unskilled workers account for the bulk of the explained drop in income inequality.en
dc.identifierhttp://documents.worldbank.org/curated/en/2007/08/8179660/big-bad-banks-impact-branch-deregulation-income-distribution
dc.identifier.doi10.1596/1813-9450-4330
dc.identifier.urihttps://hdl.handle.net/10986/7283
dc.languageEnglish
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesPolicy Research Working Paper; No. 4330
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCOUNTING
dc.subjectADVERSE EFFECTS
dc.subjectAGGREGATE GROWTH
dc.subjectATMS
dc.subjectAVERAGE INCOME
dc.subjectAVERAGE WAGE
dc.subjectBANK BRANCH
dc.subjectBANK BRANCHES
dc.subjectBANK CREDIT
dc.subjectBANK LOAN
dc.subjectBANK LOANS
dc.subjectBANK REGULATIONS
dc.subjectBANKING INDUSTRY
dc.subjectBANKING SECTOR DEVELOPMENT
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEMS
dc.subjectBOND
dc.subjectBORROWING
dc.subjectBUSINESS CYCLES
dc.subjectBUSINESS SCHOOL
dc.subjectCAPITAL ACCUMULATION
dc.subjectCAPITAL MARKET
dc.subjectCENTRAL BANK
dc.subjectCIVIL WAR
dc.subjectCOLLATERAL
dc.subjectCOLLATERAL REQUIREMENTS
dc.subjectCOLLEGE DEGREE
dc.subjectCOMMERCIAL BANKING
dc.subjectCOMMUNICATIONS TECHNOLOGY
dc.subjectCONFIDENTIALITY
dc.subjectCONTRIBUTION
dc.subjectCREDIT AVAILABILITY
dc.subjectCREDIT CARD
dc.subjectCREDIT MARKET
dc.subjectCREDIT MARKET IMPERFECTIONS
dc.subjectCROSS-COUNTRY ANALYSES
dc.subjectDECOMPOSITION TECHNIQUES
dc.subjectDEMOCRATIC SOCIETIES
dc.subjectDEMOGRAPHIC
dc.subjectDEPENDENT VARIABLE
dc.subjectDEREGULATION
dc.subjectDESCRIPTIVE STATISTICS
dc.subjectDEVELOPING ECONOMIES
dc.subjectDIFFERENTIAL IMPACT
dc.subjectDIRECT ACCESS
dc.subjectDISTRIBUTION OF INCOME
dc.subjectDISTRIBUTIONAL CHANGES
dc.subjectDISTRIBUTIONAL EFFECTS
dc.subjectDIVIDENDS
dc.subjectEARNINGS
dc.subjectEARNINGS INEQUALITY
dc.subjectEARNINGS OF WOMEN
dc.subjectECONOMIC GROWTH
dc.subjectECONOMIC HISTORY
dc.subjectECONOMIC REVIEW
dc.subjectECONOMIC STUDIES
dc.subjectECONOMIC THEORY
dc.subjectECONOMY LITERATURE
dc.subjectEMPIRICAL EVIDENCE
dc.subjectEMPIRICAL FINDINGS
dc.subjectEMPIRICAL SUPPORT
dc.subjectFAMILY INCOME
dc.subjectFEDERAL RESERVE
dc.subjectFEDERAL RESERVE BANK
dc.subjectFEMALE WORKERS
dc.subjectFINANCIAL COMPANIES
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL LIBERALIZATION
dc.subjectFINANCIAL MARKET
dc.subjectFINANCIAL REFORMS
dc.subjectFINANCIAL SECTOR
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SYSTEMS
dc.subjectFIXED COSTS
dc.subjectGINI COEFFICIENT
dc.subjectGLOBALIZATION
dc.subjectGOVERNMENT EXPENDITURES
dc.subjectGROWTH RATE
dc.subjectGROWTH THEORIES
dc.subjectHIGH COST
dc.subjectHOLDING COMPANIES
dc.subjectHOLDING COMPANY
dc.subjectHUMAN CAPITAL
dc.subjectINCENTIVE EFFECTS
dc.subjectINCOME
dc.subjectINCOME DATA
dc.subjectINCOME DIFFERENCES
dc.subjectINCOME DISTRIBUTION
dc.subjectINCOME DISTRIBUTION DATA
dc.subjectINCOME GROWTH
dc.subjectINCOME INEQUALITY
dc.subjectINCOME INEQUALITY DATA
dc.subjectINCOME REDISTRIBUTION
dc.subjectINCOMES
dc.subjectINEQUALITY MEASURES
dc.subjectINSURANCE
dc.subjectINSURANCE PRODUCTS
dc.subjectINTEREST PAYMENTS
dc.subjectINTEREST RATE
dc.subjectLABOR FORCE
dc.subjectLABOR MARKET
dc.subjectLAGGED GROWTH
dc.subjectLARGE BANK
dc.subjectLARGE BANKS
dc.subjectLARGE FIRMS
dc.subjectLIBERALIZATION
dc.subjectLOCAL BANK
dc.subjectLOCAL BANKS
dc.subjectLORENZ CURVE
dc.subjectLOWER INCOME
dc.subjectMACROECONOMICS
dc.subjectMARKET CONDITIONS
dc.subjectMARKET IMPERFECTIONS
dc.subjectMARKET STRUCTURE
dc.subjectMARRIED WOMEN
dc.subjectMEASUREMENT ERROR
dc.subjectMERGERS
dc.subjectMONETARY ECONOMICS
dc.subjectMONEY MARKET
dc.subjectMONEY MARKET MUTUAL FUNDS
dc.subjectMONOPOLIES
dc.subjectMONOPOLY
dc.subjectMUTUAL FUNDS
dc.subjectNATURAL LOGARITHM
dc.subjectNATURAL MONOPOLY
dc.subjectNEGATIVE EFFECT
dc.subjectNEGATIVE IMPACT
dc.subjectPER CAPITA GROWTH
dc.subjectPER CAPITA INCOME
dc.subjectPERSONAL INCOME
dc.subjectPOLICY CHANGE
dc.subjectPOLICY RESEARCH
dc.subjectPOLITICAL ECONOMY
dc.subjectPOLITICAL INSTITUTIONS
dc.subjectPOLITICAL POWER
dc.subjectPOSITIVE EFFECT
dc.subjectPOSITIVE IMPACT
dc.subjectPRIVATE SECTOR
dc.subjectPRIVATE SECTOR DEVELOPMENT
dc.subjectPRODUCT MARKET
dc.subjectREDISTRIBUTION POLICIES
dc.subjectREGIONAL DUMMIES
dc.subjectREGRESSION RESULTS
dc.subjectREGULATORY RESTRICTIONS
dc.subjectRELATIVE INCOME
dc.subjectRELATIVE INCOMES
dc.subjectRELATIVE WAGES
dc.subjectRENTS
dc.subjectRESEARCH ASSISTANCE
dc.subjectSALARY
dc.subjectSELF-EMPLOYMENT
dc.subjectSIGNIFICANT EFFECT
dc.subjectSIGNIFICANT RELATIONSHIP
dc.subjectSKILL PREMIUM
dc.subjectSKILLED WORKERS
dc.subjectSMALL BUSINESS
dc.subjectSMALL BUSINESSES
dc.subjectSOCIAL COSTS
dc.subjectSOURCES OF INCOME
dc.subjectSTATE BANK
dc.subjectSTATE UNIVERSITY
dc.subjectTAX
dc.subjectTAXATION
dc.subjectTERMINATION
dc.subjectUNEMPLOYMENT
dc.subjectUNEMPLOYMENT RATE
dc.subjectUNSKILLED WORKERS
dc.subjectVALUE ADDED
dc.subjectVOLATILITY
dc.subjectWAGE
dc.subjectWAGE RATES
dc.subjectWAGES
dc.subjectWORLD ECONOMIES
dc.titleBig Bad Banks? The Impact of U.S. Branch Deregulation on Income Distributionen
dspace.entity.typePublication
okr.crossref.titleBig Bad Banks ? The Impact Of U.S. Branch Deregulation On Income Distribution
okr.date.doiregistration2025-04-10T09:50:18.499229Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.doctypePublications & Research
okr.docurlhttp://documents.worldbank.org/curated/en/2007/08/8179660/big-bad-banks-impact-branch-deregulation-income-distribution
okr.globalpracticeMacroeconomics and Fiscal Management
okr.globalpracticePoverty
okr.globalpracticeTrade and Competitiveness
okr.guid285961468328171349
okr.identifier.doi10.1596/1813-9450-4330
okr.identifier.externaldocumentum000158349_20070827140607
okr.identifier.internaldocumentum8179660
okr.identifier.reportWPS4330
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2007/08/27/000158349_20070827140607/Rendered/PDF/wps4330.pdfen
okr.topicEconomic Theory and Research
okr.topicPrivate Sector Development::Emerging Markets
okr.topicPoverty Reduction::Inequality
okr.topicFiscal and Monetary Policy
okr.topicMacroeconomics and Economic Growth
okr.unitDevelopment Research Group (DECRG)
okr.volume1 of 1
relation.isAuthorOfPublication4694cd5a-bd90-594b-abe2-f5b681139e6d
relation.isAuthorOfPublication.latestForDiscovery4694cd5a-bd90-594b-abe2-f5b681139e6d
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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