乌拉圭银行业的结构和竞争

IF 1.9 Q3 BUSINESS

International Journal of the Economics of Business Pub Date : 2022-08-08 DOI:10.1080/13571516.2022.2106092

Miguel Mello, Jorge Ponce

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引用次数: 0

摘要

摘要利用乌拉圭银行的季度数据，我们发现该部门是一个集中的寡头垄断，表现出全球规模经济。具体产品规模经济在家庭和企业贷款中具有统计学意义。各种贷款、本币存款和投资组合管理之间存在范围经济效应。面向家庭的信贷市场竞争最弱，表现得像垄断或暗含共谋。企业的信贷市场表现出比市场结构所显示的更大的竞争，特别是在当地货币中。总体而言，结果表明乌拉圭银行业存在发展空间和日益激烈的竞争。

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Structure and Competition in the Uruguayan Banking Sector

Abstract Using quarterly data for Uruguayan banks we find that this sector is a concentrated oligopoly that exhibits global economies of scale. Specific product economies of scale are statistically significant in households and corporate loans. There are economies of scope between varieties of loans, deposits in local currency and portfolio management. The credit market to households is the least competitive, behaving like a monopoly or under implicit collusion. The credit market to firms exhibits greater competition than that suggested by the structure of the market, especially in local currency. Overall, the results suggest that there exists room for development and increasing competition in the Uruguayan banking sector.

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来源期刊

International Journal of the Economics of Business BUSINESS-

CiteScore

2.60

自引率

8.30%

发文量

期刊介绍： International Journal of the Economics of Business presents original, peer reviewed research in economics that is clearly applicable to business or related public policy problems or issues. The term "business" is used in its widest sense to encompass both public and private sector—governmental, private non-profit and cooperative organizations, as well as profit-seeking enterprises. International Journal of the Economics of Business carries papers relating to three main spheres: The organization—to analyse and aid decision making and the internal organization of the business; The industry—to analyse how businesses interact and evolve within and across industries.