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Borrowers under water! Rare disasters, regional banks, and recovery lending
Abstract
We show that local banks provide corporate recovery lending to firms affected by adverse regional macro shocks. Banks that reside in counties unaffected by the natural disaster that we specify as macro shock increase lending to firms inside affected counties by 3%. Firms domiciled in flooded counties, in turn, increase corporate borrowing by 16% if they are connected to banks in unaffected counties. We find no indication that recovery lending entails excessive risk-taking or rent-seeking. However, within the group of shock-exposed banks, those without access to geographically more diversified interbank markets exhibit more credit risk and less equity capital.
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How Much Should We Trust Differences-in-Differences Estimates?
Bertrand, M., Duflo, E., & Mullainathan, S. (2004) · The Quarterly Journal of Economics · doi:10.1162/003355304772839588 · Cited by 10,641
Cited by
Bank liquidity provision across the firm size distribution
Chodorow-Reich, G., Darmouni, O., Luck, S., & Plosser, M. (2022) · Journal of Financial Economics · doi:10.1016/j.jfineco.2021.06.035 · Cited by 257
Metadata
- Authors
- Koetter, M., Noth, F., & Rehbein, O.
- Venue
- Journal of Financial Intermediation
- Publisher
- Elsevier BV
- Published
- 2020-07
- Volume
- 43
- Pages
- 100811
- ISSN
- 1042-9573 (ISSN-L)
- OpenAlex
- W2607037224
- Cited by
- 201
- References
- 1
- FWCI
- 19.06
- Type
- journal article
- Language
- en
- Open access
- closed
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- Koetter, M., Noth, F., & Rehbein, O. (2020). Borrowers under water! Rare disasters, regional banks, and recovery lending. Journal of Financial Intermediation. https://doi.org/10.1016/j.jfi.2019.01.003
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Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).
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