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UID:0366b40d451893189b16856030b26897
CATEGORIES:Seminars
CREATED:20161213T172309
SUMMARY:Lunch Seminar: Adrien Matray - HEC Paris
DESCRIPTION;ENCODING=QUOTED-PRINTABLE:<p style="text-align: justify;"><strong>Unbanked Households: Evidence of Su
 pply-Side Factors</strong></p><p style="text-align: justify;">Abstract:</p>
 <p style="text-align: justify;">This paper provides evidence that supply-si
 de factors significantly drive the high share of unbanked households. Using
  interstate branching deregulation in the U.S. after 1994 as an exogenous s
 hock, we show that an increase in bank competition is associated with a lar
 ge drop in the share of unbanked households. The effect is even stronger fo
 r populations that are more likely to be rationed by banks, such as black h
 ouseholds living in “high racial bias” states. The improved access to bank 
 accounts leads to higher savings rates but does not translate to higher lev
 els of indebtedness.</p>
DTSTAMP:20260404T073323Z
DTSTART:20150529T130000Z
DTEND:20150529T140000Z
SEQUENCE:0
TRANSP:OPAQUE
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