bet365 best casino games Professor Efraim Benmelech, a professor at the Northwestern University of Northwestern University of Northwestern University, and others recently posted on the official website of the World Bank on the official website of the World Bank，The density of bank branches has an important impact on its deposit stability。

Benmery and others discovered，In the past 10 years，The density of bank branches has dropped sharply。In the United States，Although the total bank deposits of banks in 2016-2022 have almost doubled，But Bet365 app download the number of branches of banks decreased by about 15%。The branches of the three banks in the crisis in March and May of 2023 are not high，Below the average density of bank branches in 2022 10 percentage points。There is a connection between the density of the bank branch and its deposit stability，Generally speaking，Banks with low density of branches，Its deposit stability is also low。

The branch density of the bank that occurs in the crisis also has a positive correlation between statistical statistics。For example，Silicon Valley Bank's branches density density at every time a standard deviation is reduced，The return on investment in its stock will be reduced by 4 percentage points。For the first and Bet365 lotto review the bank，The density of its branches is reduced for every one standard difference，The return on investment will decrease by 1.4 percentage points。Low -low stock investment return may reflect the concerns of investors' financial stability of banks with low density of branches。

other，The first quarter of 2023，The density of the branch of the bank involved in the bank's density and its deposit flow and the traffic are positively related。Among the banks that have a net outflow of deposits，Dental density bank deposits have a larger outflow of banks。

Benmery and others think，One possible reason for the poor bank performance caused by the low density of branches is the composition of its deposit customers。Banks with low density of some branches through Bet365 lotto review providing convenient and fast digital banking services，The deposit of related companies with a lot of funds and the deposit of proficient technical personnel。Digital banks can help banks quickly absorb a large amount of deposits during the period of economic prosperity，But the consequences it brings is not always good，Because the masters of the proficient technology are more likely to escape from the economic turmoil and quickly transfer the deposit to other places。Research results show，Digital banks enable banks with low density of branches to attract deposits and improve financing capabilities，But the density of digital banks and low branches has also reduced the value of the relationship between bet365 Play online games banks and stores，Transfer the bank's storage households to the enterprise with a large number of unparalleled deposits and the master of proficient technology。In the case of sluggish market，The change of the composition of the scholar is harmful to the bank，Stlayer the benchmark interest rate、Risk management and risk exposure in the field of cryptocurrencies，Banks are more likely to face the risk of extrusion。

　　(Yao Xiaodan/Compilation)