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The paper examines the economic impact of large-scale bank branch closures in Sweden, where two-thirds of branches have disappeared over two decades. It finds that such closures significantly reduce credit access for firms, particularly small and risky ones, leading to declines in employment, sales, and increased exit risks. The study highlights the continued importance of physical bank branches for lending, particularly in relation to soft information crucial for assessing borrower risk.

Author

jaimefavela

Language

EN