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Book Synopsis Competition and Stability in Banking by : Xavier Vives
Download or read book Competition and Stability in Banking written by Xavier Vives and published by Princeton University Press. This book was released on 2016-08-02 with total page 344 pages. Available in PDF, EPUB and Kindle. Book excerpt: A distinguished economist examines competition, regulation, and stability in today's global banks Does too much competition in banking hurt society? What policies can best protect and stabilize banking without stifling it? Institutional responses to such questions have evolved over time, from interventionist regulatory control after the Great Depression to the liberalization policies that started in the United States in the 1970s. The global financial crisis of 2007–2009, which originated from an oversupply of credit, once again raised questions about excessive banking competition and what should be done about it. Competition and Stability in Banking addresses the critical relationships between competition, regulation, and stability, and the implications of coordinating banking regulations with competition policies. Xavier Vives argues that while competition is not responsible for fragility in banking, there are trade-offs between competition and stability. Well-designed regulations would alleviate these trade-offs but not eliminate them, and the specificity of competition in banking should be accounted for. Vives argues that regulation and competition policy should be coordinated, with tighter prudential requirements in more competitive situations, but he also shows that supervisory and competition authorities should stand separate from each other, each pursuing its own objective. Vives reviews the theory and empirics of banking competition, drawing on up-to-date analysis that incorporates the characteristics of modern market-based banking, and he looks at regulation, competition policies, and crisis interventions in Europe and the United States, as well as in emerging economies. Focusing on why banking competition policies are necessary, Competition and Stability in Banking examines regulation's impact on the industry's efficiency and effectiveness.
Book Synopsis Bank Competition and Financial Stability by : OECD
Download or read book Bank Competition and Financial Stability written by OECD and published by OECD Publishing. This book was released on 2011-10-05 with total page 87 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report examines the interplay between banking competition and financial stability, taking into account the experiences in the recent global crisis and the policy response to it. The report has been prepared by members of the Directorate of ...
Book Synopsis Competition in the Investment Banking Industry by : Samuel L. Hayes
Download or read book Competition in the Investment Banking Industry written by Samuel L. Hayes and published by Harvard University Press. This book was released on 1983 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Investment banks play a critically important role in channeling capital from investors to corporations. Not only do they float and distribute new corporate securities, they also assist companies in the private placement of securities, arrange mergers and acquisitions, devise specialized financing, and provide other corporate financial services. After sketching the history and evolution of investment banking, the authors describe the structure of the industry, focusing on the competitive forces at work within it today. They explore patterns of concentration and analyze the strategic and economic factors that underlie those patterns. The authors directly examine the pairing up of investment banks with their corporate clients. They show that the market is sharply segmented, with banks and corporate clients being matched in roughly rank order, the most prestigious banks with the largest, most powerful clients, and so on. Vigorous competition occurs within each segment, but much less between them. With the industry now confronting a changing regulatory environment, a growing tendency of clients to arrange their own financing, and increasing competition both from within and from commercial banks and foreign institutions, Competition in the Investment Banking Industry is essential reading for anyone interested in the future of investment banking.
Book Synopsis Bank Competition and the Effects on Financial Stability by : Jovi Clemente Dacanay
Download or read book Bank Competition and the Effects on Financial Stability written by Jovi Clemente Dacanay and published by Springer Nature. This book was released on with total page 371 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Competition and Control Banking by : David A. Alhadeff
Download or read book Competition and Control Banking written by David A. Alhadeff and published by Univ of California Press. This book was released on with total page 404 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Bank Competition and Financial Stability by : Mr.Gianni De Nicolo
Download or read book Bank Competition and Financial Stability written by Mr.Gianni De Nicolo and published by International Monetary Fund. This book was released on 2011-12-01 with total page 39 pages. Available in PDF, EPUB and Kindle. Book excerpt: We study versions of a general equilibrium banking model with moral hazard under either constant or increasing returns to scale of the intermediation technology used by banks to screen and/or monitor borrowers. If the intermediation technology exhibits increasing returns to scale, or it is relatively efficient, then perfect competition is optimal and supports the lowest feasible level of bank risk. Conversely, if the intermediation technology exhibits constant returns to scale, or is relatively inefficient, then imperfect competition and intermediate levels of bank risks are optimal. These results are empirically relevant and carry significant implications for financial policy.
Book Synopsis Bank Competition, Risk Taking, and their Consequences: Evidence from the U.S. Mortgage and Labor Markets by : Alan Xiaochen Feng
Download or read book Bank Competition, Risk Taking, and their Consequences: Evidence from the U.S. Mortgage and Labor Markets written by Alan Xiaochen Feng and published by International Monetary Fund. This book was released on 2018-07-06 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bank competition can induce excessive risk taking due to risk shifting. This paper tests this hypothesis using micro-level U.S. mortgage data by exploiting the exogenous variation in local house price volatility. The paper finds that, in response to high expected house price volatility, banks in U.S. counties with a competitive mortgage market lowered lending standards by twice as much as those with concentrated markets between 2000 and 2005. Such risk taking pattern was associated with real economic outcomes during the financial crisis, including higher unemployment rates in local real sectors.
Book Synopsis How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries by : Raja Almarzoqi
Download or read book How Does Bank Competition Affect Solvency, Liquidity and Credit Risk? Evidence from the MENA Countries written by Raja Almarzoqi and published by International Monetary Fund. This book was released on 2015-09-29 with total page 43 pages. Available in PDF, EPUB and Kindle. Book excerpt: The paper analyzes the relationship between bank competition and stability, with a specific focus on the Middle East and North Africa. Price competition has a positive effect on bank liquidity, as it induces self-discipline incentives on banks for the choice of bank funding sources and for the holding of liquid assets. On the other hand, price competition may have a potentially negative impact on bank solvency and on the credit quality of the loan portfolio. More competitive banks may be less solvent if the potential increase in the equity base—due to capital adjustments—is not large enough to compensate for the reduction in bank profitability. Also, banks subject to stronger competitive pressures may have a higher rate of nonperforming loans, if the increase in the risk-taking incentives from the lender’s side overcomes the decrease in the credit risk from the borrower’s side. In both cases, country-specific policies for market entry conditions—and for bank regulation and supervision—may significantly affect the sign and the size of the relationship. The paper suggests policy reforms designed to improve market contestability and to increase the quality and independence of prudential supervision.
Book Synopsis Bank Competition, Efficiency and Liquidity Creation in Asia Pacific by : N. Genetay
Download or read book Bank Competition, Efficiency and Liquidity Creation in Asia Pacific written by N. Genetay and published by Springer. This book was released on 2015-07-28 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking market integration in the Asia Pacific has greatly accelerated in recent years, in an environment of many other rapid advances in banking and finance. This has increased competition between domestic and foreign banks, and made the measurement of bank efficiency, competition, and liquidity creation a critical issue for both policy makers and bank managers. This book investigates important policy-related issues in Asia Pacific banking. It analyses the link between competition and stability, examining the cases of fourteen Asia Pacific countries between 2003 and 2010, and goes on to discuss whether bank shareholder value is influenced by cost and profit efficiency changes over time. The authors explore the different ways in which banks in Asia-Pacific create liquidity, and whether this is linked to capital generation. This book provides valuable insight for researchers, policy makers and bank managers with an interest in financial rationalization, restructuring and consolidation.
Book Synopsis Regional Financial Development and Bank Competition. Effects on Economic Growth by :
Download or read book Regional Financial Development and Bank Competition. Effects on Economic Growth written by and published by Fundacion BBVA. This book was released on with total page 47 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Inclusion and Bank Competition in Sub-Saharan Africa by : Azanaw Mengistu
Download or read book Financial Inclusion and Bank Competition in Sub-Saharan Africa written by Azanaw Mengistu and published by International Monetary Fund. This book was released on 2018-12-07 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this paper we study how competition and financial soundness affect financial inclusion in Sub-Saharan Africa (SSA). We use detailed individual-level survey data, combined with key country-level indicators of bank competition and financial soundness, to study the effect on the adoption of several financial products (bank accounts, credit and debit cards, and bank loans). We find that more competition tends to increase the probability of access to these financial products. On the contrary, we do not find strong evidence of the effect of bank-balance sheet variables (i.e. capital adequacy or liquidity) on borrowing by individuals. Our results may help policy makers design regulations that could improve financial inclusion, which could potentially impact economic growth and long-term economic development.
Book Synopsis Inferring bank-to-bank competition from dynamic time series analysis of price correlations by : Eduardo Ribeiro
Download or read book Inferring bank-to-bank competition from dynamic time series analysis of price correlations written by Eduardo Ribeiro and published by Litres. This book was released on 2022-01-29 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inferring bank to bank rivalry and competition generally requires the estimation of a full demand model, with high data requirements, unavailable to most researchers. We suggest dynamic time series analysis of price correlations to infer about bank to bank competition, taking into account the well-known criticisms to price correlations for delimiting relevant markets. The method is applied for credit markets in Brazil, where bank monthly loan interest rates time series are available. We conclude that there is little rivalry between large banks in most of the credit markets studied.
Book Synopsis Assessing Bank Competition within the East African Community by : Sarah Sanya
Download or read book Assessing Bank Competition within the East African Community written by Sarah Sanya and published by International Monetary Fund. This book was released on 2012-01-01 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper is an empirical analysis of competitiveness in the banking system of four out of the five East African Community (EAC) countries2. The results show that the degree of competition is low due to a combination of structural and socio-economic factors. By way of preview, the analysis ranks the countries in terms of banking sector competitiveness in the following order: Kenya, Tanzania, Uganda and Rwanda.
Book Synopsis Recent Developments in European Bank Competition by : Mr.Yu Sun
Download or read book Recent Developments in European Bank Competition written by Mr.Yu Sun and published by International Monetary Fund. This book was released on 2011-06-01 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper investigates the degree of bank competition in the euro area, the U.S. and U.K. before and after the recent financial crisis, and revisits the issue whether the introduction of EMU and the euro have had any impact on bank competition. The results suggest that the level of bank competition converged across euro area countries in the wake of the EMU. The recent global financial crisis led to a fall in competition in several countries and especially where large credit and housing booms had preceded the crisis..
Book Synopsis Competition and Controls in Banking by : David A. Alhadeff
Download or read book Competition and Controls in Banking written by David A. Alhadeff and published by Univ of California Press. This book was released on 2023-11-10 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt: This title is part of UC Press's Voices Revived program, which commemorates University of California Press’s mission to seek out and cultivate the brightest minds and give them voice, reach, and impact. Drawing on a backlist dating to 1893, Voices Revived makes high-quality, peer-reviewed scholarship accessible once again using print-on-demand technology. This title was originally published in 1968.
Book Synopsis Performance, Risk and Competition in the Chinese Banking Industry by : Yong Tan
Download or read book Performance, Risk and Competition in the Chinese Banking Industry written by Yong Tan and published by Chandos Publishing. This book was released on 2014-10-08 with total page 265 pages. Available in PDF, EPUB and Kindle. Book excerpt: Due to the financial crisis around the world, stability of the banking sector is critical. Several rounds of banking reforms in China have aimed to improve performance and competition, and Performance, Risk and Competition in the Chinese Banking Industry provides a comprehensive analysis of performance, risk, competition and their relationships in Chinese banking industry. The book consists of seven chapters: the first chapter gives an introduction, followed by an overview of the Chinese banking sector in chapter two. Chapter three discusses corporate governance in the Chinese banking sector. The fourth and fifth chapters investigate risk, performance, competition, and their relationships. Chapter six outlines future development of the Chinese banking sector, and finally, chapter seven provides a conclusion. - Provides a comprehensive analysis of risk conditions in the Chinese banking sector - A detailed investigation on the performance of the Chinese banking sector - Examines the state of competition
Book Synopsis Efficiency and Competition in Chinese Banking by : Yong Tan
Download or read book Efficiency and Competition in Chinese Banking written by Yong Tan and published by Chandos Publishing. This book was released on 2016-10-27 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: Efficiency and Competition in Chinese Banking gives a comprehensive analysis of the industry, including cost, technical, profit, and revenue efficiency. The Chinese banking industry is of global importance. The book estimates the competitive condition of the sector using the Boone indicator, Panzar-Rosse Histatistic, Lerner index, and concentration ratio. The author investigates the impact of competition on efficiency in Chinese banking while controlling for comprehensive determinants of bank efficiency. This title complements Yong Tan’s previous book, Performance, Risk, and Competition in the Chinese Banking Sector, also published by Chandos. Analyzes efficiency in the Chinese banking industry Presents a robust analysis of competition in the Chinese banking sector, using four competition indicators Considers the impact of competition on efficiency Explores the competitive conditions of different banking markets including deposit market, loan market, and non-interest income market
