Is there help indeed, if there is help in need? The case of credit unions during the global financial crisis
نویسندگان
چکیده
Credit unions (CUs) may respond to a financial shock differently than other types of banks because their unique membership-based governance structure. We exploit the crisis 2008/09 as negative Brazilian and analyze lending behavior CUs in comparison non-CUs subsequent effects on commercial clients' labor force. find that during crisis, tightened members' access credit lesser extent (insurance effect) did bank types. Notably, market impact insurance effect is positive for very small firms.
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ژورنال
عنوان ژورنال: Economic Inquiry
سال: 2021
ISSN: ['0043-3640', '1465-7295', '0095-2583']
DOI: https://doi.org/10.1111/ecin.12982