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Issues in Regional Economics: An Overview

机译：区域经济学中的问题：概述

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This Special Issue consists of five studies. In the first of these, "Banks and Payday Lenders: Friends or Foes?" Barth, Hilliard, and Jahera observe that banks and payday lenders do not cater to the same customers. Banks typically serve moderately and higher income individuals as well as small and medium size enterprises. Payday lenders, on the other hand, typically serve lower income individuals. The biggest difference, however, given this difference in customers, is that payday lenders charge interest rates that are 30 to 80 times those charged by banks. This paper investigates the geographic distribution of payday lenders versus banks throughout the nation using county level data for all 50 states during the past decade, inclusive of the pre-crisis and post-crisis periods. The analysis takes into account differences in economic factors and demographic characteristics across the counties, permitting an assessment as to whether demographic characteristics are important determinants of the number of payday lenders relative to banks after taking into account economic factors. Moreover, the analysis examines the relationship between the number of payday lenders and community and smaller banks in counties to determine whether the geographical distribution of payday lenders versus banks is different for small banks as compared to big banks. Based upon the empirical findings, the paper discusses various policy options that may make credit available to lower income individuals at lower interest rates in contrast to the current situation.
机译：本期特刊包含五项研究。在这些文章的第一篇中，“银行和发薪日放款人：朋友还是敌人？” Barth，Hilliard和Jahera注意到，银行和发薪日放款人无法满足同一客户的需求。银行通常为中高收入个人以及中小型企业服务。另一方面，发薪日贷款人通常为收入较低的个人服务。但是，考虑到客户的这种不同，最大的不同是发薪日贷方收取的利率是银行收取的利率的30至80倍。本文使用过去十年中所有50个州的县级数据（包括危机前和危机后时期）调查了发薪日贷方与银行在全国的地理分布。该分析考虑了各县的经济因素和人口特征之间的差异，允许在考虑经济因素之后评估人口特征是否是发薪日贷方相对于银行数量的重要决定因素。此外，该分析检查了发薪日放款人数量与县中社区和小型银行之间的关系，以确定小型银行与大型银行相比发薪日放款人对银行的地理分布是否有所不同。基于经验发现，本文讨论了各种政策选择，这些政策选择可以使低收入个人以较低的利率获得信贷，这与目前的情况相反。

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