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BEGIN:VEVENT
DTSTAMP:20260430T131903Z
DTSTART;VALUE=DATE-TIME:20250310T130000
DTEND;VALUE=DATE-TIME:20250310T140000
SUMMARY:Economic History Seminar - Arthi Vellore (UCI)
TZID:Europe/London
UID:20250310-8a17841b90977dd80190981d48c608e5@warwick.ac.uk
CREATED:20241113T085413Z
DESCRIPTION:Title: Traumatic Financial Experiences and Persistent Changes
  in Financial Behavior: Evidence from the Freedman's Savings Bank Abstra
 ct: The failure of the Freedman's Savings Bank (FSB)\, one of the only B
 lack-serving banks in the early post-bellum South\, was an economic cata
 strophe and one of the great episodes of racial exploitation in post-Ema
 ncipation history. It was also most Black Americans' first experience of
  banking. Can events like these permanently alter financial preferences 
 and behavior? To test this\, we examine the impact of FSB collapse on li
 fe insurance-holding\, an accessible alternative savings vehicle over th
 e late 19th and early 20th centuries. We document a sharp and persistent
  increase in insurance demand in affected counties following the shock\,
  driven disproportionately by Black customers. We also use FSB migrant f
 lows to disentangle place-based and cohort-based effects\, thus identify
 ing psychological and cultural scarring as a distinct mechanism underlyi
 ng the shift in financial behavior induced by the bank's collapse. Horiz
 ontal and intergenerational transmission of preferences help explain the
  shock’s persistent effects on financial behavior.
LOCATION:S2.79
CATEGORIES:Economic History Seminar
LAST-MODIFIED:20241113T085413Z
ORGANIZER;CN=Gill Gudger:
END:VEVENT
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