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Bank Competition and Collateral: Theory and Evidence
Hainz, Christa; Weill, Laurent; Godlewski, Christophe J. - Laboratoire de Recherche en Gestion (LaRGE), Institut … - 2008
We investigate the impact of bank competition on the use of collateral in loan contracts. We develop a theoretical … borrower and asking for collateral. We show that the presence of collateral is more likely when bank competition is low. We … presence of collateral on bank competition, measured by the Lerner index. Our empirical tests corroborate the theoretical …
Persistent link: https://www.econbiz.de/10005509733
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Does Competition for Novice Borrowers Hurt Access to Finance? An Analysis in a Context of High Risk and Low Outreach
Balzarotti, Verónica; Anastasi, Alejandra - In: Ensayos Económicos 1 (2013) 69, pp. 101-149
The lack of access to financial services and to credit in particular is an issue in many developing countries. This paper studies the channels through which new borrowers get access to consumer loans and the effect of repayment data distribution both on that access and on subsequent bank...
Persistent link: https://www.econbiz.de/10010849648
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Financial market integration and loan competition: when is entry deregulation socially beneficial?
Kaas, Leo - 2004
The paper analyzes how the removal of barriers to entry in banking affect loan competition, bank stability and economic welfare. We consider a model of spatial loan competition where a market that is served by less efficient banks is opened to entry by banks that are more efficient in screening...
Persistent link: https://www.econbiz.de/10011604449
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Do Islamic Banks Have Greater Market Power ?
Weill, Laurent - Laboratoire de Recherche en Gestion (LaRGE), Institut … - 2009
The aim of this paper is to investigate whether Islamic banks have greater market power than conventional banks. Indeed Islamic banks may benefit from a captive clientele, owing to religious principles, which would be charged greater prices. To measure market power, we compute Lerner indices on...
Persistent link: https://www.econbiz.de/10005811659
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Do Islamic banks have greater market power?
Weill, Laurent - Siirtymätalouksien tutkimuslaitos, Suomen Pankki - 2010
The aim of this paper is to investigate whether Islamic banks have greater market power than con-ventional banks. An Islamic bank, for example, might enjoy enhanced market power if a captive clientele adhering to religious principles permits it to charge higher prices. To measure market power,...
Persistent link: https://www.econbiz.de/10008540683
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The effect of bank competition on the bank's incentive to collateralize
Hainz, Christa - 2007
competition on this choice. We find that competing banks use collateral less often than a monopolistic bank because competition …
Persistent link: https://www.econbiz.de/10003951390
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The effect of bank competition on the bank's incentive to collateralize
Hainz, Christa - 2007
competition on this choice. We find that competing banks use collateral less often than a monopolistic bank because competition …
Persistent link: https://www.econbiz.de/10010365861
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Optimal collateralized contracts
Cao, Dan Vu; Lagunoff, Roger D. - 2018
We examine the role of collateral in a dynamic model of optimal credit contracts in which a borrower values both … the role collateral as a deterrent to manipulation. Some assets, those that generate consumable services will necessarily …
Persistent link: https://www.econbiz.de/10011919030
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The adverse selection problem in imperfectly competitive credit markets
Mälkönen, Ville; Vesala, Timo - 2006
a separating equilibrium emerges, even without collateral.The borrowers are heterogeneous in their preferences …
Persistent link: https://www.econbiz.de/10012147982
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Banking Competition, Monitoring Incentives and Financial Stability
Vo, Quynh-Anh - 2010
This paper addresses the topic regarding the desirability of competition in banking industry. In a model where banks compete on both deposit and loan markets and where banks can use monitoring technology to control entrepreneurs' behavior, we investigate three questions: what are the effects of...
Persistent link: https://www.econbiz.de/10013152326