Replication data for: Understanding Bank Runs: The Importance of Depositor-Bank Relationships and Networks
Principal Investigator(s): View help for Principal Investigator(s) Rajkamal Iyer; Manju Puri
Version: View help for Version V1
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| Data-folder_manuscript_no_2008-0868 | 10/11/2019 05:37:PM | ||
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Project Citation:
Iyer, Rajkamal, and Puri, Manju. Replication data for: Understanding Bank Runs: The Importance of Depositor-Bank Relationships and Networks. Nashville, TN: American Economic Association [publisher], 2012. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2019-10-11. https://doi.org/10.3886/E112527V1
Project Description
Summary:
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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. (JEL D12, G21, O16, Z13)
Scope of Project
JEL Classification:
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D12 Consumer Economics: Empirical Analysis
G21 Banks; Depository Institutions; Micro Finance Institutions; Mortgages
O16 Economic Development: Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
Z13 Economic Sociology; Economic Anthropology; Language; Social and Economic Stratification
D12 Consumer Economics: Empirical Analysis
G21 Banks; Depository Institutions; Micro Finance Institutions; Mortgages
O16 Economic Development: Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
Z13 Economic Sociology; Economic Anthropology; Language; Social and Economic Stratification
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