The economic impact of changes in local bank presence
研究波兰2009-14年数据发现，加强关系型银行模式能改善地方劳动力市场并便利中小企业获得贷款，但只有大型商业银行的新激进所有者才能刺激新企业创建。
This study analyzes the economic consequences of changes in the local bank presence. Using a unique data set of banks, firms and counties in Poland over the period 2009–14, it is shown that changes strengthening the relationship banking model are associated with local labour market improvements and easier small and medium-sized enterprise access to bank debt. However, only the appearance of new, more aggressive owners of large commercial banks stimulates new firm creation.