Cyberattacks on Small Banks and the Impact on Local Banking Markets
研究发现，小型银行遭网络攻击后存款增长放缓，而大型银行未受影响；攻击还使大型银行本地市场份额上升，导致小借款人信贷减少、小企业增长受阻。
Abstract Cyberattacks on small banks have direct and spillover effects in local markets. Following successful cyberattacks, hacked small banks experience a decline in deposit growth rates. This effect of cyberattacks is not observed in hacked large banks. Cyberattacks on small banks also increase the local market share of large banks through positive deposit spillovers. The consequent change in market structure reduces credit access for small borrowers and impedes small establishment growth. Our findings show that, unlike large banks, small banks are not seen by depositors as having the resources to maintain adequate cybersecurity systems to protect customers from evolving cyber threats.