The Effects of Affiliation with Large Bank Holding Companies on Commercial Bank Lending to Agriculture
比较了大型银行控股公司的农村子公司与其他银行在农业贷款比例上的差异，发现前者的农业贷款比例显著更低，表明其有更多机会通过向多种行业贷款来分散风险。
Abstract This article examines whether the agricultural loan ratios of rural subsidiaries of large bank holding companies differ from the ratios of other banks in the same rural counties. In each of the years 1975, 1980, and 1985, the ratio of agricultural loans to total assets is significantly lower for the subsidiaries of large bank holding companies. These results are interpreted as evidence that the subsidiaries of large bank holding companies have greater opportunities to diversify risk by lending to businesses in a variety of industries.