جستجوی مقالات مرتبط با کلیدواژه "banking competition" در نشریات گروه "اقتصاد"

The present study aims to investigate the effect of Foreign Bank Penetration and Banking Competition on credit risk in the banking system. In this regard، using a set of data taken from the Global Financial Development Database provided by the World Bank and the availability of data, 42 Asian countries during the 1999-2019 period as a research sample and using the correlation method through panel econometric models. The results showed: There are complex relationships between foreign bank penetration، competition and credit risk in banking، depending on the measurement of foreign bank penetration and competition. the increased number of foreign banks، not higher foreign banks’ assets، contribute to alleviating nonperforming loans and bank credit risk. However، the negative relationship between the number of foreign banks and nonperforming loans and credit risk is conditional on the measurement of the country's bank competition. The concentration and market power in banking exhibit a different impact on bank credit risk، particularly when both variables are interacted with foreign bank penetration. The increased presence of foreign banks is therefore detrimental for bank-asset quality in countries، particularly when the banking market is highly concentrated. The increased presence of foreign banks can reduce nonperforming loans when the bank is too concentrated. Therefore, providing incentives for the banking industry to avoid cross-selling strategies in boosting noninterest income is also worth considering, given the fact that changes in nonperforming loans due to foreign penetration and competition in banking can be partly explained by changes in noninterest income

The purpose of this article was to assess competition and financial stability in the country's banking system by assessing capital and losses in times of crisis. In this study, using statistical information of banks listed on the Tehran Stock Exchange for the period 2006-2018, using the method of panel autoregression data, the relationship between macroeconomic variables with banking stability and banking competition was examined. The results showed that economic growth has led to an increase in banking stability and banking competition among the country's banks. On the other hand, banking stability has had a positive and significant impact on economic growth and banking competition. Finally, the results of the action-response charts and analysis of variance showed that the shock of the banking competition led to a positive reaction to economic growth and banking stability. The results indicate a significant relationship between competition and stability and confirming the view of fragility competition in Iran's banking industry. Also, the results of Granjer causality test showed the existence of a two-way relationship between the variables.

In the case of a liquidity shortage crisis, illiquid banks start to compete in the deposit market to absorb liquidity, in order to prevent fire-selling their assets. This paper attempts to show that in such crisis, not only the competition in the deposit market does not improve the liquidity needs of these banks but it also raises the deposit interest rates in the market, increases the cost of fund for financial institutions and reduces their power to manage their other obligations. The findings indicate that with high liquidity shortages, there is a contagion in the market such that the liquid banks become illiquid too, declining their financial stability. From this perspective, the results provide a theoretical rationale in favor of central bank’s intervention. This study analyzes various central bank policies and regulation which can reduce these inefficiencies in the market and compare their effectiveness; these policies and regulations include: deposit rate cap, cap rates in the interbank market, excluding illiquid banks from entering the interbank market, interbank intervention by injection and short term bailouts.

One of the first structural adjustments for the Iranian government is the reformation of the banking system and financial markets. In the present study، the dynamic stochastic general equilibrium DSGE model is employed to provide answers to the following questions of economic policy. Firstly، how are macroeconomic variables changed if competition is increased in the banking industry in terms of deposit services? Secondly، how are macroeconomic variables changed if competition is increased in the banking industry in terms of loan services? The results show that an increased competition in deposits and loans service leads to an increase in production، consumption، investment and employment. However، an increase of competition among banks proves to increasesbenefit of both consumers and producers، but economic variables have a higher sensitivity to the increased competition in the loan sector compared to that in the deposit sector.

This study examines the impact of banking competition on the efficacy of transmission mechanism of monetary policy, through the bank lending channel. However, with respect to the significant changes in the banking market structure and increased degree of competitiveness in the banking system, one expects that the bank lending channel of monetary transmission mechanism plays an important role therein. In this paper, an attempt is made to investigate per se the relationship between bank lending channel and degree of competition in context of Iran’s banking system. For this purpose we applied the two-step estimation procedures, using the bank-level panel data for the state owned banks in Iran, during the period (1375-1389). In the first step, we measured the degree of banking competition by applying the proposed methodology of Panzar and Rosse.(1987). In the second step, we estimated a loan growth model in which its explanatory variables include the Panzar-Rosse measure of banking competition. The results prima facie indicate the consistent evidence that increased competetion in the banking sector, could strengthen the impact of monetary policy transmission mechanism. We also found that the nature of banking sector in Iran is more characterized as a monopolistic competition identity.