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  • 标题:Risk,concentration and market power in the banking industry:evidence from the Colombian system (1997-2006)
  • 本地全文:下载
  • 作者:Jorge Tovar ; Christian Jaramillo ; Carlos Eduardo Hernández
  • 期刊名称:Banks and Bank Systems
  • 印刷版ISSN:1816-7403
  • 电子版ISSN:1991-7074
  • 出版年度:2011
  • 卷号:6
  • 期号:1
  • 页码:49-61
  • 语种:English
  • 出版社:LLC "CPC "Business Perspectives"
  • 摘要:This paper examines the relationship between risk,concentration and the exercise of market power by banking institu tions. The authors use monthly balance-sheet and interest rate data for the Colombian banking system from 1997 to 2006. The evidence shows that,in the face of high risk,banks transfer a larger share of risk to customers through higher intermediation margins. The result suggests that risk acts as a "collusion” device for banks:while high concentration is not enough to have collusion,the true effects of high market concentration on interest rates’ mark-ups emerge when the system is under stress.
  • 关键词:banking;market power;risk;concentration;intermediation margins.
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