Where Are All the New Banks? The Role of Regulatory Burden in New Bank Formation

Adams, Robert M.; Gramlich, Jacob P.

doi:10.1007/s11151-015-9499-3

Cited by 15 publications

(8 citation statements)

References 14 publications

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“…First (step 1), a number of research papers were identified and collected. In order to bootstrap the set of papers during this stage, a query was devised and applied to the search engine of the Scopus database 1 . Scopus was chosen as it is one of the largest multidisciplinary database of peer-reviewed literature including more than 60 million scientific journals, books and conference proceedings in fields such as public administration, political science, eGovernment, computer science, and management research.…”

Section: Methodsmentioning

confidence: 99%

“…This query searches documents that contain one of the terms ("administrative burden", "administrative simplification", 1 Available from: https://www.scopus.com/ (Last accessed: 31-08-2016).…”

Section: Methodsmentioning

confidence: 99%

“…Similarly, single case studies focus largely on national or single organizational data. Such is the case of the empirical study by Adams and Gramlich concerning regulatory burden on banks establishment in the US [1], or of the study of administrative requirements in the Swedish sea shipping industry by Österman and Hult [48]. Countries like Denmark and the UK rapidly adopted similar procedures [30], as did Portugal [45], Germany, France, Italy and Spain [36] and by December 2016, 17 European countries had adopted the SCM model [63].…”

Section: Methodology Patternsmentioning

confidence: 99%

See 2 more Smart Citations

Administrative Burden Reduction Over Time

Nielsen¹,

Carvalho

Veiga

et al. 2017

Proceedings of the 10th International Conference on Theory and Practice of Electronic Governance

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Burden reduction is a key issue in modern public administrations' and businesses' agendas. Compliance with mandatory regulations can have a direct impact on a country's economic performance, growth, and development. Research in this area, contributes to a better understanding of the implications and context of administrative burden, and increases the efficiency of the strategies adopted to reduce it.The goal of this study is to undertake a review of the current state of the art on Administrative Burden Reduction (ABR), in order to gain a deeper insight about the subject, identify current gaps, and better plan for future research. A total of 122 papers were identified as relevant, out of a pool of 742 papers retrieved from the current literature. The relevant papers were analyzed across four dimensions: methodology, type and focus, and targeted stakeholders. Three key gaps were identified and discussed in relation to: citizen orientated services and burden reduction; empirical research and post-initiative re-evaluation; and, the role of stakeholders, interest groups and end-users in driving ABR. Lastly a conceptual framework model and next steps are proposed.

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Section: Methodsmentioning

confidence: 99%

Section: Methodsmentioning

confidence: 99%

Section: Methodology Patternsmentioning

confidence: 99%

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Administrative Burden Reduction Over Time

Nielsen¹,

Carvalho

Veiga

et al. 2017

Proceedings of the 10th International Conference on Theory and Practice of Electronic Governance

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“…The number of BCU locations in the United States has declined over the last 10 years. New bank formations have tumbled from 130 a year before financial crisis to less than one a year today (Adam & Gramlich, 2016). In Figure 2, we show the trend in the number of bank branches, credit unions, and pawn shops from 2008 to 2019.…”

Section: Empirical Evidencementioning

confidence: 99%

The role of P2P platforms in enhancing financial inclusion in the United States: An analysis of peer‐to‐peer lending across the rural–urban divide

Maskara

Kuvvet

Chen

2021

Financial Management

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In this paper, we examine the role of peer‐to‐peer (P2P) platforms in enhancing financial inclusion from the borrowers’ point of view across the rural–urban dimension. We show that when number of bank branches decrease in a rural community, the P2P loan requests increase if there is at least one bank branch in the community allowing people to participate in the P2P market. We also find that the number of P2P loan requests from urban areas is higher when such areas have fewer pawnshops per capita. Our results suggest that P2P enhances financial inclusion of those lacking traditional institutions in rural communities and offers an alternative to those with fewer fringe banks in urban communities.

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“…Studies of bank entry in other settings find that local economic opportunities, market size, and legal barriers all affect entry (e.g., Adams and Amel 2016, Adams and Gramlich 2016). The crop price index observed at the beginning of a 2‐year period captures the economic opportunities that encouraged entry.…”

Section: Responding To the Price Shock: Establishment Of New Banksmentioning

confidence: 99%

Banking on the Boom, Tripped by the Bust: Banks and the World War I Agricultural Price Shock

Jaremski¹,

Wheelock²

2020

J of Money Credit Banking

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How do banks respond to asset booms? This paper examines (i) how U.S. banks responded to the World War I farmland boom; (ii) the impact of regulation; and (iii) how bank closures exacerbated the postwar bust. The boom encouraged new bank formation and balance sheet expansion (especially by new banks). Deposit insurance amplified the impact of rising crop prices on bank portfolios, while higher minimum capital requirements dampened the effects. Banks that responded most aggressively to the asset boom had a higher probability of closing in the bust, and counties with more bank closures experienced larger declines in land prices.

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Where Are All the New Banks? The Role of Regulatory Burden in New Bank Formation

Cited by 15 publications

References 14 publications

Administrative Burden Reduction Over Time

Administrative Burden Reduction Over Time

The role of P2P platforms in enhancing financial inclusion in the United States: An analysis of peer‐to‐peer lending across the rural–urban divide

Banking on the Boom, Tripped by the Bust: Banks and the World War I Agricultural Price Shock

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