放松银行管制与国家收入差距（JF2010）
题目：Big Bad Banks? The Winners and Losers from Bank Deregulation in the United States（放松银行管制与居民收入差距）
摘要：We assess the impact of bank deregulation on the distribution of income in the States. From the 1970s through the 1990s, most states removed restrictions intrastate branching, which intensified bank competition and improved bank formance. Exploiting the cross-state, cross-time variation in the timing of deregulation, we find that deregulation materially tightened the distribution come by boosting incomes in the lower part of the income distribution while little impact on incomes above the median. Bank deregulation tightened the distribution of income by increasing the relative wage rates and working hours of unskilled workers.
研究问题：美国银行管制的放松是否影响了居民的收入差距
研究动机：关于银行管制放松对于收入不平等的问题争论很多，但是缺乏实证的证据支持。
研究设计：利用不同州放松管制的年份不同，构建多时点DID
研究贡献：实证检验了银行管制放松对于收入差距的影响效应，补充了金融市场在经济发展中作用的相关文献；也对当时全球金融危机下，各国政府评估是否放松银行管制提供了理论参考和借鉴。
特别的点：学习多时点DID的经典之作，并运用微观数据对影响渠道进行深入分析
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注：个人翻译和解读，可能存在疏漏和错误,仅供参考(20220415)。
