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Cited by 328

The DOI matches its Crossref record; 43 of the 43 references it cites were found in a registry or an index.

Are Credit Markets Still Local? Evidence from Bank Branch Closings

Open access
Nguyen, Hoai-Luu Q.·2019·American Economic Journal: Applied Economics
DOI 10.1257/app.20170543
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Abstract

This paper studies whether distance shapes credit allocation by estimating the impact of bank branch closings during the 2000s on local access to credit. To generate plausibly exogenous variation in the incidence of closings, I use an instrument based on within-county, tract-level variation in exposure to post-merger branch consolidation. Closings lead to a persistent decline in local small business lending. Annual originations fall by $453,000 after a closing, off a baseline of $4.7 million, and remain depressed for up to six years. The effects are very localized, dissipating within six miles, and are especially severe during the financial crisis. (JEL G21, G34, L22, R12, R32)

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Metadata

Authors
Nguyen, H.-L. Q.
Venue
American Economic Journal: Applied Economics
Publisher
American Economic Association
Published
2019-01-01
Volume
11
Issue
1
Pages
1-32
ISSN
  • 1945-7782 (ISSN-L)
  • 1945-7790
DOI
10.1257/app.20170543
OpenAlex
W2908516842
Cited by
328
References
43
FWCI
47.35
Type
journal article
Language
en
Open access
green

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CoChat. (2026). Citation check: Are Credit Markets Still Local? Evidence from Bank Branch Closings. https://app.cochat.ai/papers/10.1257/app.20170543
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Nguyen, H.-L. Q. (2019). Are Credit Markets Still Local? Evidence from Bank Branch Closings. American Economic Journal: Applied Economics. https://doi.org/10.1257/app.20170543

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