Implications of Banking Consolidation for the Financing of Rural America
نویسنده
چکیده
This paper examines what we can learn from existing studies, or could learn from existing data, about the implications of banking consolidation for the financing of economic activity in rural areas. The evidence indicates that large organizations will expand their offices in rural areas. The role of relatively small banks headquartered in rural areas as providers of banking services in their communities will be diminished. Some of the evidence indicates that this change in banking structure will restrict the access to credit by rural residents. The paper examines the implication of such a change in credit availability for the regulation of small, rural banks.
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