supervision and to improve the quality of credit analysis by financial institutions. Empirical tests using public credit registry … (PCR) data were performed in collaboration with the central banks in Argentina, Brazil, and Mexico. The results of the …

" The objective of this paper is to analyze the industry structure of banking services in Brazil in order to shed light … designing public policy for the banking sector. In particular, retail banking is found to be less sensitive to price competition … and to exhibit considerably higher returns than corporate banking. The authors identify and discuss the factors underlying …

using an international sample of 1,334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non … banks, however, attract most of their short-term funding in the form of non-deposits at a cost of enhanced bank fragility …. Overall, banking strategies that rely prominently on generating non-interest income or attracting non-deposit funding are very …

"This paper studies the factors banks perceive as drivers and obstacles to financing small and medium enterprises (SMEs …), focusing on the role of competition and the institutional framework. Using a survey of banks in Argentina and Chile, the paper … business, SMEs have become a strategic segment for most banks in both countries. In particular, banks have begun to target SMEs …

power in the loan market results in riskier loan portfolios, the overall risks of banks need not increase if banks protect …, as well as indicators of the business environment, using data for 8,235 banks in 23 developed nations. The results … suggest that - consistent with the traditional "competition-fragility" view - banks with a greater degree of market power also …

domestic banks-in banking relationships, using data from India. The empirical results are consistent with all of their … main banks are most likely to have multiple banking relationships, have the most relationships, and diversify relationships … hypotheses with regard to foreign banks. These banks tend to serve as the main bank for transparent firms, and firms with foreign …