most citedThe geographic flow of bank funding and access to credit: Branch networks, local synergies and competition

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econ.GN2024★ 23 cited

The geographic flow of bank funding and access to credit: Branch networks, local synergies and competition

Victor Aguirregabiria, Robert Clark, Hui Wang

Geographic dispersion of depositors, borrowers, and banks may prevent funding from flowing to high loan demand areas, limiting credit access. Using bank-county-year level data, we…