Do Bank Mergers Reduce Lending to Businesses and Farmers ?

  title={Do Bank Mergers Reduce Lending to Businesses and Farmers ?},
  author={William R. Keeton},
  • William R. Keeton
  • Published 1996
The banking industry has undergone substantial consolidation during the last 15 years, and that process has accelerated in the 1990s. One effect of this consolidation has been to greatly reduce the number of independent and locally owned banks. Some banks have been acquired by distant banking organizations, and some have been acquired by banking companies that were nearby but very large, causing the banks to become junior partners in the new organization. 
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