Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/265059 
Authors: 
Year of Publication: 
2022
Series/Report no.: 
IWH Discussion Papers No. 6/2022
Version Description: 
This version: September 27, 2022
Publisher: 
Halle Institute for Economic Research (IWH), Halle (Saale)
Abstract: 
By adopting a difference-in-differences specification combined with propensity score matching, I provide evidence using the microdata of German banks that stateowned savings banks have lent less than credit cooperatives during the COVID-19 crisis. In particular, the weaker lending effects of state-owned banks are pronounced for long-term and nonrevolving loans but insignificant for short-term and revolving loans. Moreover, the negative impact of government ownership is larger for borrowers who are more exposed to the COVID-19 shock and in regions where the ruling parties are longer in office and more positioned on the right side of the political spectrum.
Subjects: 
bank credit
COVID-19
state-owned banks
JEL: 
D72
G21
P16
Document Type: 
Working Paper

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