Bank Consolidation and Consumer Loan Interest Rates

Topics:
Commercial Lending
Tags:
Bank,
Pricing,
Mergers & Acquisitions,
Marketing Research,
Marketing,
Investment,
Financial Services,
Finance,
Consumer Loan,
Consolidation,
...
Source:
University of Illinois

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Overview: The recent wave of bank mergers has raised concern with its effect on competition. This paper examines the influence of concentration and merger activity on consumer loan interest rates. It uses Bank Rate Monitor, Inc. survey data on loan rates quoted weekly by large commercial banks in ten major U.S. cities during the 1989 to 1997 period. The pricing behavior of banks is analyzed for two types of loans: new automobile loans and unsecured personal loans.

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Format: PDF | Size: 422KB | Date: Oct 2000 | Pages: 40

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