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首页> 外文期刊>The quarterly review of economics and finance >Geographic deregulation and commercial bank performance in U.S. state banking markets
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Geographic deregulation and commercial bank performance in U.S. state banking markets

机译：美国州立银行市场的地理放松管制和商业银行业绩

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This paper examines the effects of geographical deregulation on commercial bank performance across states. We reach several general conclusions. First, the process of deregulation on an intrastate basis generally improves bank profitability and performance with higher returns and reduced riskiness. Deregulation of interstate banking produces mixed findings. For small banks, interstate banking deregulation leads to reduced riskiness. For medium-sized banks, it leads to increased riskiness. And for large banks, it leads to increased and decreased riskiness depending on the risk variable considered. Second, macroe-conomic variables - the unemployment rate, real personal income per capita, and the growth rate of real personal income - and the average interest rate affect bank performance as much, or more, than the process of deregulation, especially for the small and medium-sized banks. The large banks, however, generally do not respond significantly to state-level macroeconomic variables or the average interest rate. Finally, while some analysts argue that deregulation toward full interstate banking and branching produced more efficient banks and a healthier banking system, we find mixed results on this issue.
机译：本文研究了地理放松管制对各州商业银行绩效的影响。我们得出一些一般性结论。首先，州内放松管制的过程通常会提高银行的盈利能力和绩效，并带来更高的回报和更低的风险。放松对州际银行业务的管制产生了不同的结果。对于小型银行而言，州际银行业的放松管制可以降低风险。对于中型银行，这会导致风险增加。对于大型银行，这会导致风险的增加和减少，具体取决于所考虑的风险变量。第二，宏观经济变量-失业率，人均实际个人收入和实际个人收入的增长率-平均利率对银行绩效的影响要大于放松管制的过程，甚至更多，尤其是对于小额信贷机构而言。和中型银行。但是，大型银行通常对州一级的宏观经济变量或平均利率没有明显反应。最后，尽管一些分析家认为，放松对全面州际银行和分支机构的管制可以提高银行的效率和银行体系的健康程度，但我们在这个问题上发现了好坏参半的结果。

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