File Download
There are no files associated with this item.
Supplementary
-
Citations:
- Appears in Collections:
Article: Credit Market Conditions and Mental Health
| Title | Credit Market Conditions and Mental Health |
|---|---|
| Authors | |
| Issue Date | 22-May-2024 |
| Publisher | Institute for Operations Research and Management Sciences |
| Citation | Management Science, 2024 How to Cite? |
| Abstract | Research offers conflicting predictions about the impact of credit conditions on mental health. We first assess how bank regulatory reforms that improved credit conditions, for example, by enhancing the efficiency of credit allocation and lowering lending rates, impacted mental health. We discover that among low-income individuals, these regulatory reforms reduced mental depression, boosted labor market outcomes, eased access to mortgage debt, and reduced the ranks of the “unbanked.” We also find that mergers of large regional banks that led to branch closures and tighter credit constraints in affected counties harmed the mental health of lower-income individuals in treated counties. |
| Persistent Identifier | http://hdl.handle.net/10722/344224 |
| ISSN | 2023 Impact Factor: 4.6 2023 SCImago Journal Rankings: 5.438 |
| DC Field | Value | Language |
|---|---|---|
| dc.contributor.author | Hu, Qing | - |
| dc.contributor.author | Levine, Ross | - |
| dc.contributor.author | Lin, Chen | - |
| dc.contributor.author | Tai, Mingzhu | - |
| dc.date.accessioned | 2024-07-16T03:41:46Z | - |
| dc.date.available | 2024-07-16T03:41:46Z | - |
| dc.date.issued | 2024-05-22 | - |
| dc.identifier.citation | Management Science, 2024 | - |
| dc.identifier.issn | 0025-1909 | - |
| dc.identifier.uri | http://hdl.handle.net/10722/344224 | - |
| dc.description.abstract | <p>Research offers conflicting predictions about the impact of credit conditions on mental health. We first assess how bank regulatory reforms that improved credit conditions, for example, by enhancing the efficiency of credit allocation and lowering lending rates, impacted mental health. We discover that among low-income individuals, these regulatory reforms reduced mental depression, boosted labor market outcomes, eased access to mortgage debt, and reduced the ranks of the “unbanked.” We also find that mergers of large regional banks that led to branch closures and tighter credit constraints in affected counties harmed the mental health of lower-income individuals in treated counties.<br></p> | - |
| dc.language | eng | - |
| dc.publisher | Institute for Operations Research and Management Sciences | - |
| dc.relation.ispartof | Management Science | - |
| dc.title | Credit Market Conditions and Mental Health | - |
| dc.type | Article | - |
| dc.identifier.doi | 10.1287/mnsc.2023.00194 | - |
| dc.identifier.eissn | 1526-5501 | - |
| dc.identifier.issnl | 0025-1909 | - |