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Cited by 498

The DOI matches its Crossref record; 33 of the 33 references it cites were found in a registry or an index.

Deposits and Relationship Lending

Berlin, Mitchell, Mester, Loretta J.·1999·Review of Financial Studies
DOI 10.1093/revfin/12.3.0579
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Abstract

We empirically examine whether access to deposits with inelastic rates (core deposits) permits a bank to make contractual agreements with borrowers that are infeasible if the bank must pay market rates for funds. Such access insulates a bank's costs of funds from exogenous shocks, allowing it to insulate its borrowers against exogenous credit shocks. We find that, controlling for loan market competition, banks funded more heavily with core deposits provide more loan rate smoothing in response to exogenous changes in aggregate credit risk. Thus we provide evidence for a novel channel linking bank liabilities to relationship lending.

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Cites

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Metadata

Authors
Berlin, M., & Mester, L. J.
Venue
Review of Financial Studies
Publisher
Oxford University Press (OUP)
Published
1999-07
Volume
12
Issue
3
Pages
579-607
ISSN
  • 0893-9454 (ISSN-L)
  • 1465-7368
DOI
10.1093/revfin/12.3.0579
OpenAlex
W2161747406
Cited by
498
References
33
FWCI
10.94
Type
journal article
Language
en
Open access
closed

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CoChat. (2026). Citation check: Deposits and Relationship Lending. https://app.cochat.ai/papers/10.1093/revfin/12.3.0579
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Berlin, M., & Mester, L. J. (1999). Deposits and Relationship Lending. Review of Financial Studies. https://doi.org/10.1093/revfin/12.3.0579

Data sources

Bibliographic data: Semantic Scholar, OpenAlex, Crossref.

Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).

Semantic Scholar’s data is described in: Kinney, R., et al. (2023). The Semantic Scholar Open Data Platform. arXiv:2301.10140.