文章基本信息
- 标题：Assessing banking competition: an application to the Spanish market for (quality-changing) deposits
- 本地全文：下载
- 作者：Juan Ayuso y Jorge Martínez
- 期刊名称：Documentos de Trabajo / Banco de España
- 印刷版ISSN：0213-2710
- 电子版ISSN：1579-8666
- 出版年度：2006
- 卷号：1
- 出版社：Banco de España
- 摘要：
Taking the Spanish market for deposits as a case study we show the importance of properly controlling for the quality of the services provided when assessing the degree of banking competition. While a simple approach based on estimating the price elasticity of the residual supply of deposit funds faced by banks does not reveal any increase in competition, such an increase is clear when the interest rate on deposits is " corrected " according to the behaviour of variables that proxy the quality of the different services embedded in a bank deposit.
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