EXPLAINING BANK FAILURES : DEPOSIT INSURANCE , REGULATION AND EFFiCIENCY

Abstract

This paper uses micro-level historical data to examine the causes of bank failure. For statecharactered Kansas banks during 19 10-28, time-to-failure is explicitly modeled using a proportional hazards framework. In addition to standard financial ratios, this study includes membership in the voluntary state deposit insurance system and measures of technical… (More)

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