The fundamental role of uninsured depositors in the regional banking crisis

B Chang, IH Cheng, HG Hong - Available at SSRN 4497863, 2023 - papers.ssrn.com
We examine the role of uninsured depositors in the 2023 Regional Banking Crisis by
emphasizing that they are valuable clients who demand loans. Banks with more uninsured …

Faster bank runs

O Shy - European Economic Review, 2025 - Elsevier
Bank depositors now have access to instant (real-time) money transfer and payment
services. Therefore, in events such as bank runs, depositors are able to drain their bank …

Let a small bank fail: Implicit nonguarantee and financial contagion

L Liu, X Wang, Z Zhou - 2024 - econstor.eu
This paper examines the consequences of Chinese regulators deviating from a long-
standing full bailout policy in addressing the distress of a city-level commercial bank. This …