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BEGIN:VEVENT
UID:0366b40d451893189b16856030b26897
CATEGORIES:Seminars
CREATED:20161213T172309
SUMMARY:Lunch Seminar: Adrien Matray - HEC Paris
DESCRIPTION;ENCODING=QUOTED-PRINTABLE:Unbanked Households: Evidence of Supply-Side Factors\nAbstract:\nThis paper
  provides evidence that supply-side factors significantly drive the high sh
 are of unbanked households. Using interstate branching deregulation in the 
 U.S. after 1994 as an exogenous shock, we show that an increase in bank com
 petition is associated with a large drop in the share of unbanked household
 s. The effect is even stronger for populations that are more likely to be r
 ationed by banks, such as black households living in “high racial bias” sta
 tes. The improved access to bank accounts leads to higher savings rates but
  does not translate to higher levels of indebtedness.\n
DTSTAMP:20260404T090125Z
DTSTART:20150529T130000Z
DTEND:20150529T140000Z
SEQUENCE:0
TRANSP:OPAQUE
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