Valeriya Dinger

Research and Analysis

Our research informs the public and policymakers by examining economic issues of importance to those in our local communities, across the nation, and around the world.
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  We publish research and analyses to keep audiences informed of economic trends in our region and nationwide. View latest releases or explore our archive.
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  Visit our Center for Inflation Research for all things inflation—from general information on how inflation works and why it matters to the latest data and analysis on current inflationary trends.

Region and Community

We represent and gather information from the Fourth Federal Reserve District, spanning Ohio and parts of Pennsylvania, West Virginia, and Kentucky. These resources are useful for our region, the communities we serve, and communities across the United States.
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  Learn about our work to advance understanding of economic trends affecting the Fourth District.
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Education

Learn economic basics, dive into inflation, and get educational resources and games for yourself or to share with others.
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  Learn more about resources supporting required high school, middle school, and elementary school financial literacy courses.

Banking and Payments

We supervise financial institutions, support American consumers’ financial security, and maintain the financial stability and payment systems for the US Treasury.
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  The Cleveland Fed provides a range of tools for tracking trends in the lending environment.
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  Understand the various requirements for Fed-chartered financial institutions and discover the range of services available to them—from cash services and reserve balance data to the discount window.
- Supporting the financial system
  
  Find out how the Cleveland Fed supervises member banks to ensure financial-system stability and support the US Treasury.

About Us

We serve the American people as part of the US central bank. We support the US economy and our region by studying economic conditions and issues that impact our communities, serving financial institutions, and providing economic education and resources for all.
- Our leadership
  
  Meet the individuals leading our mission, including the president and executive leadership team, advisory council members, and the boards of directors of each Cleveland Fed branch.
- Who we are and what we do
  
  The Fed does more than inform monetary policy. Learn about the mission, structure, and role of our organization, both regionally and nationally.
- Sharing our work
  
  Community outreach, education, and research are central to the Fed’s mission. Connect with us as we share our work, latest publications, and welcome you to visit our learning center.
- We have a long-standing commitment to diversity, equity, inclusion, and opportunity for our employees and the communities we serve.

Person

Valeriya Dinger is a contributing author.

Working Papers

Working Paper

Volatile Lending and Bank Wholesale Funding

Ben R. Craig Valeriya Dinger

10.03.2014 | WP 14-17

The paper presents the first empirical study of the relation between bank loan volume volatility and bank retail and wholesale liabilities.

Topics: Lending and access to credit

Working Paper

Bank Mergers and Deposit Interest Rate Rigidity

Valeriya Dinger

12.07.2011 | WP 11-31

In this paper I revisit the debate on the impact of bank and market characteristics on the rigidity of retail bank interest rates.

Topics: Financial markets

Working Paper

The Duration of Bank Retail Interest Rates

Ben R. Craig Valeriya Dinger

12.01.2011 | WP 10-01R

We use bank retail interest rates as price examples in a study of the determinants of price durations.

Topics: Monetary policy

Working Paper

Deposit Market Competition, Costs of Funding and Bank Risk

Ben R. Craig Valeriya Dinger

04.01.2010 | WP 09-05R

In this paper we revisit the long debate on the risk effects of bank competition and propose a new approach to the empirical estimation of the relation between deposit market competition and bank risk.

Working Paper

A Microeconometric Investigation into Bank Interest Rate Rigidity

Ben R. Craig Valeriya Dinger

03.18.2010 | WP 10-01

We use bank retail interest rates as price examples in a study of the determinants of price durations.

Working Paper

Deposit Market Competition, Costs of Funding and Bank Risk

Ben R. Craig Valeriya Dinger

06.01.2009 | WP 09-05

In this paper we revisit the long debate on the risk effects of bank competition and propose a new approach to the empirical estimation of the relation between deposit market competition and bank risk.

Working Paper

Bank Mergers and the Dynamics of Deposit Interest Rates

Ben R. Craig Valeriya Dinger

02.01.2009 | WP 08-06R

Despite extensive research interest in the last decade, the banking literature has not reached a consensus on the impact of bank mergers on deposit rates.

Working Paper

Bank Mergers and the Dynamics of Deposit Interest Rates

Ben R. Craig Valeriya Dinger

09.01.2008 | WP 08-06

Despite extensive research interest in the last decade, the banking literature has not reached a consensus on the impact of bank mergers on deposit rates.

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