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Working Paper

Deposit Market Competition, Costs of Funding and Bank Risk

In this article we provide a summary of empirical results obtained in several economics and operations research papers that attempt to explain, predict, or suggest remedies for financial crises or banking defaults; we also outline the methodologies used in them. We analyze financial and economic circumstances associated with the U.S. subprime mortgage crisis and the global financial turmoil that has led to severe crises in many countries. The intent of this article is to promote future empirical research for preventing bank failures and financial crises.

Suggested Citation

Craig, Ben R., and Valeriya Dinger. 2010. “Deposit Market Competition, Costs of Funding and Bank Risk.” Federal Reserve Bank of Cleveland, Working Paper No. 09-05R.