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The Decline of Bank Branching

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NBER2025-05-01 更新2025-05-17 收录
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https://www.nber.org/papers/w33773
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We study U.S. bank branch openings and closings from 2001 to 2023. Both are more common in areas with low deposit franchise value, a consequence of greater interest-rate sensitivity among financially sophisticated households with higher digital banking adoption. The effects are strongest for large
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2025-05-01
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