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Understanding Bank Runs: The Importance of Depositor-Bank Relationships and Networks
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Understanding Bank Runs: The Importance of Depositor-Bank Relationships and Networks
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Journal Article
Understanding Bank Runs: The Importance of Depositor-Bank Relationships and Networks
2012
Overview
We use unique depositor-level data for a bank that faced a run to understand the factors that affect depositor behavior. We find uninsured depositors are most likely to run. Deposit insurance helps, but is only partially effective. Bank-depositor relationships mitigate runs, suggesting that relationship with depositors help banks reduce fragility. In addition, we also find that social networks matter. Finally, we find long-term effects of a solvent bank run in that depositors who run do not return back to the bank. Our results help understand the underlying dynamics of bank runs and hold important policy implications.
