放松銀行管制與國家收入差距（JF2010）
題目：Big Bad Banks? The Winners and Losers from Bank Deregulation in the United States（放松銀行管制與居民收入差距）
摘要：We assess the impact of bank deregulation on the distribution of income in the States. From the 1970s through the 1990s, most states removed restrictions intrastate branching, which intensified bank competition and improved bank formance. Exploiting the cross-state, cross-time variation in the timing of deregulation, we find that deregulation materially tightened the distribution come by boosting incomes in the lower part of the income distribution while little impact on incomes above the median. Bank deregulation tightened the distribution of income by increasing the relative wage rates and working hours of unskilled workers.
研究問題：美國銀行管制的放松是否影響了居民的收入差距
研究動機(jī)：關(guān)于銀行管制放松對于收入不平等的問題爭論很多，但是缺乏實(shí)證的證據(jù)支持。
研究設(shè)計：利用不同州放松管制的年份不同，構(gòu)建多時點(diǎn)DID
研究貢獻(xiàn)：實(shí)證檢驗(yàn)了銀行管制放松對于收入差距的影響效應(yīng)，補(bǔ)充了金融市場在經(jīng)濟(jì)發(fā)展中作用的相關(guān)文獻(xiàn)；也對當(dāng)時全球金融危機(jī)下，各國政府評估是否放松銀行管制提供了理論參考和借鑒。
特別的點(diǎn)：學(xué)習(xí)多時點(diǎn)DID的經(jīng)典之作，并運(yùn)用微觀數(shù)據(jù)對影響渠道進(jìn)行深入分析
相關(guān)視頻：
Big Bad Banks：實(shí)證基礎(chǔ)結(jié)果
Big Bad Banks：表格結(jié)果復(fù)現(xiàn)
Big Bad Banks：圖形結(jié)果復(fù)現(xiàn)
注：個人翻譯和解讀，可能存在疏漏和錯誤,僅供參考(20220415)。
