U.S. Banking Deregulation, Small Businesses, and Interstate Insurance of Personal Income  

Oleh:

Demyanyk, Yuliya ; Ostergaard, Charlotte ; Sorensen, Bent E.

Jenis: Article from Journal - ilmiah internasional
Dalam koleksi: The Journal of Finance (EBSCO) vol. 62 no. 6 (Dec. 2007), page 2763-2801.
Topik: Insurance; Income; Business; Deregulation
Fulltext: p 2763.pdf (281.83KB)

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Perpustakaan Pusat (Semanggi) Nomor Panggil: JJ88 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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Isi artikel

We estimate the effects of deregulation of U.S. banking restrictions on interstate personal income reacts less than one-to-one to state-specific output shocks. We find that insurance improved after banking deregulation, with a larger effect in states where small business are more important and on proprietors' income than on other components of personal income. Our explanation centers on the role of banks as a prime source of small business finance and on the close intertwining of the personal and business finances of small business owners.

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