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We use data for more than 2,600 European banks to test whether increased competition causes banks to hold higher capital ratios. Employing panel data techniques, and distinguishing between the competitive conduct of small and large banks, we show that banks tend to hold higher capital ratios...
Persistent link: https://www.econbiz.de/10005605326
Traditional bank competition policy seeks to balance efficiency with incentives to take risk. The main tools are rules … argue that bank competition policy should be reoriented to deal with the too-big-to-fail (TBTF) problem. It should also …
Persistent link: https://www.econbiz.de/10010790360
competitive environment affect bank monitoring choices and the effectiveness of capital regulation? Our approach deviates from the …
Persistent link: https://www.econbiz.de/10005209515
competitive environment affect bank monitoring choices and the effectiveness of capital regulation? Our approach deviates from the …
Persistent link: https://www.econbiz.de/10011257508
Of all of the EU member states, Germany has the largest banking market. However, not all German banking institutions necessarily face fierce competition. Because the industry is highly fragmented, strict separation of the three existing banking pillars may impede competition, with negative...
Persistent link: https://www.econbiz.de/10010679279
In March 2012 a conference, organised jointly by the ICFR and SUERF, on "Future Risks and Fragilities for Financial Stability", explored what the next pressure points for financial stability might be, how these may arise from the response to the last financial crisis, and how the industry and...
Persistent link: https://www.econbiz.de/10010682656
fifth of the European Union (EU) bank deposits and loans. Despite their importance, little is known about the relationship … between bank stability and competition for these small credit institutions. Does competition affect the stability of … relationship between competition and bank soundness (both in the short and long run) among European cooperative banks between 1998 …
Persistent link: https://www.econbiz.de/10011048435
In this letter a series of stylized facts are presented on competition in Irish private sector lending markets across periods of both significant economic expansion and decline. Firstly, concentration of lending to the private sector is shown to have fallen during the boom period of 2004-2008,...
Persistent link: https://www.econbiz.de/10010565758
We try in this paper to characterize the state of mobile phone market in Tunisia. Our study is based on a survey of foreign experience (Europe) in detecting collusive behavior and a comparison of the critical threshold of collusion between operators in developing countries like Tunisia. The...
Persistent link: https://www.econbiz.de/10010929421
Desde principios de los años 90 se ha producido una ola de liberalizaciones de los mercados eléctricos bajo la premisa de que la presión competitiva llevaría a una reducción en el coste de suministro. No obstante, gran parte de los estudios académicos concluyen que estos mercados están...
Persistent link: https://www.econbiz.de/10009293433