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Full-Text Articles in Social and Behavioral Sciences
The Impact Of Different Government Units In The Regulation Of The Workplace Environment, Michael L. Marlow
The Impact Of Different Government Units In The Regulation Of The Workplace Environment, Michael L. Marlow
Economics
This study examines the issue of whether or not state and federal job safety agencies provide the same levels of public output. Tests are conducted on the hypothesis that state takeover of regulation from the federal program serves to reduce the costs of firms. These costs are comprised of two components: the penalties for noncompliance and the uncertainty costs of regulation. The public policy implication that is drawn from these tests is that it matters to firms which government unit regulates them.
A Test For Threshold Effects In Bank Entry, Michael L. Marlow
A Test For Threshold Effects In Bank Entry, Michael L. Marlow
Economics
No abstract provided.
Bank Structure And Mortgage Rates: Implications For Interstate Banking, Michael L. Marlow
Bank Structure And Mortgage Rates: Implications For Interstate Banking, Michael L. Marlow
Economics
Competition in financial markets has been the subject of many studies in the area of market structure and performance. This paper analyzes the differences in mortgage rates between unit banking and branch banking states to consider the likely outcome of interstate banking on competition. A model of interest rate determination is developed which suggests that, at least in the mortgage market, interstate banking will, ceteris paribus, decrease competition if it lowers the number of competing firms and increases deposit concentration levels. Support is provided for the argument that only those states under statewide branching laws may receive more competitive …