Asymmetric information and the structure of the banking industry

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Distance, Bank Heterogeneity and Entry in Local Banking Markets (2008, unknown): “Petersen and Rajan (2002) look at the determinants of the lender/small-borrowers distance and its evolution over time.”
CHAPTER 14 – Competition and Regulation in Banking (2008, background): “, 1999); or, more generally, the equilibrium is characterized by a finite number of banks even in the absence of exogenous fixed costs (Dell’Ariccia, 2001).”
Distance, Lending Relationships and Competition (2005, unknown): “In Dell'Ariccia (2001), for example, banks become informed about the location”
Competition and Stability in Banking (2016, unknown): “A similar situation seems to have happened in the wake of the subprime crisis with declining lending standards associated to securitization (Dell’Ariccia et al. (2008)).”
Competition and Strategic Information Acquisition in Credit Markets (2002, unknown): “But then, constraint (8) implies I∗ n ∈ (0, 1) so that the credit worthiness signal is also well defined, i.”