The Geography of Financial Misconduct
研究发现美国主要城市间金融不当行为发生率差异可达三倍，执法和公司特征无法解释，而城市层面的社会规范是关键因素。
ABSTRACT Financial misconduct (FM) rates differ widely between major U.S. cities, up to a factor of 3. Although spatial differences in enforcement and firm characteristics do not account for these patterns, city‐level norms appear to be very important. For example, FM rates are strongly related to other unethical behavior, involving politicians, doctors, and (potentially unfaithful) spouses, in the city.