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- W2895513144 abstract "Using natural disasters as shocks to local economies, we document that a bank branch’s ability to set deposit rates locally has real effects. Following disasters, branches that set rates locally increase deposit rates more and experience higher deposit volumes in affected counties. Consistent with imperfect insurance from internal capital markets, banks with more branches setting rates locally relatively expand mortgage lending in affected counties. House prices recover faster in local areas where more branches set rates locally." @default.
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- W2895513144 date "2018-01-01" @default.
- W2895513144 modified "2023-09-23" @default.
- W2895513144 title "Decision-Making Delegation in Banks" @default.
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- W2895513144 doi "https://doi.org/10.2139/ssrn.3155683" @default.
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