Antecedents of Failure for Newly Chartered Banks in the U.S. Banking Industry
研究美国新设银行在监管下仍可能失败，发现创始团队的股权集中度、行业经验、职业多样性、共同创业经历和共享经验能降低组织困境风险，对银行监管和创业者有参考价值。
In the United States, newly chartered banks are subject to increased regulatory scrutiny during their early years of operation to ensure their long-term viability. As the record number of bank failures in 2009 has shown, this additional regulation does not guarantee success. To better understand the internal factors in this environment that result in organizational distress, an antecedent failure state, the authors focus on the group-level characteristics of the banks’ founding teams, specifically ownership concentration and four explicit types of founding experience. Using a sample of 129 banks based in Florida, they find that increased ownership concentration, prior industry experience, heterogeneous occupational experience and joint prior founding experience and prior shared experience decreases organizational distress. Their results provide direction on characteristics that may help firms avoid organizational distress.