Banking Regulation and Competition With Product Differentiation

Topics:
Commercial Banking
Tags:
Banking,
Financial Services,
Government,
Reed Elsevier Inc.,
Regulations
Source:
Reed Elsevier

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Overview: The main motivation for prudential regulation is to increase the solvency of the banking sector. However, it is usually understood that tighter regulation also leads to more concentration and higher spreads. Thus, these prudential measures are seen as implying a trade-off between solvency and competition. This white paper argues that this trade-off does not necessarily exist. It presents a model in which tighter capital requirements lead banks to choose a lower degree of product differentiation, potentially inducing more intense competition and lower spreads.

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Format: PDF | Size: 292KB | Date: Aug 2000 | Pages: 27

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