conduct investigations in the search of qualified loan borrowers. The model assumes that the domestic bank has a cost … advantage in evaluating a borrower’s credit quality compared to the competing foreign bank. Despite the cost heterogeneity, an … equilibrium exists in which two such banks coexist in the market. Specifically, the information cost advantaged bank orchestrates …

microeconomic model of bank competition that contemplates differences in the behavior of public and private banks and the …

In 2016, the volume of bank lending resumed growth. However, its level remains below the 2014 indicators and is … insufficient to curtail the reduction of the population's loan debt volumes. There is a shift in the retail bank lending debt …

in bank competition induced by large bank mergers to establish that personal bankruptcy rates are significantly higher in …This paper studies the role of credit market competition in explaining consumer bankruptcy filings. I exploit variation … more competitive local banking markets. Higher competition prompts banks to take more risks by increasing credit supply and …

Private banks often blame state guarantees to distort competition by giving public banks the advantage of lower funding … costs. In this paper I show that if borrowers perceive the public bank as supporting economic development, private banks may … disadvantage. The public bank's competitive advantage may be offset,independently of what its true objective function is. Even …

estimation. The analysis allows to distinguish between rents that accrue due to single bank lending, rents that accrue due to … relationship lending, and rents that accrue due to the elimination of competition among multiple lenders. We find the relationship … against hold-up. -- Banking Competition ; Coordination ; Distress ; Credit Spread ; Hold-up …

We find that competition from payday lenders leads depository institutions to raise overdraft fees and reduce the … illuminate competition and pricing frictions in the large, yet largely unstudied, small-dollar loan market. -- Payday credit … ; overdraft credit ; competition ; adverse selection …

competition on this choice. We find that competing banks use collateral less often than a monopolistic bank because competition … will intensify if both banks collateralize. Moreover, bank competition is welfare improving if collateralization is rather … are better able to evaluate a project's risk than entrepreneurs. We study the bank's choice between screening and …

(Gabaix, 2011) for the banking sector, introducing Bertrand competition and heterogeneous banks charging variable markups …. Using this framework, we show conditions under which idiosyncratic shocks to bank lending can generate aggregate … sector for many countries is indeed granular, as the right tail of the bank size distribution follows a power law. We then …