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dc.creatorRozo, Sandra
dc.creatorEstrada, Dairo Ayiber
dc.date.created2006-09-01
dc.date.issued2006-09
dc.identifier.urihttp://repositorio.banrep.gov.co/handle/20.500.12134/2073
dc.descriptionSe analizan las condiciones competitivas del Mercado colombiano en una aproximación más desagregada para poder determinar si los resultados obtenidos en esta estimación son o no consistentes con los resultados obtenidos al analizar el mercado nacional en total.
dc.description.abstractAs Freixas and Rochet (1997) mention, in perfect competition the optimal choice for banks is determined by the point where intermediation margins are equal to operating costs. In this scenario, market equilibrium is not affected by a bank’s actions. In contrast, when a bank has market power, it can affect prices, which will lead to higher lending rates and lower deposit rates. In this way, part of the consumer surplus is passed to the banks and efficiency is lost through a reduction in the volume transacted on the market. Therefore, regulations to limit the creation, spread and use of market power are entirely justified. Nevertheless, the only guides to implementing such regulations in an ideal way are the empirical studies of competition that describe the characteristics of the relevant market, which is why they are so important.
dc.format.extent11 páginas : tablas
dc.format.mimetypePDF
dc.language.isospa
dc.publisherBanco de la República de Colombia
dc.relation.ispartofDocumentos de Trabajo
dc.relation.ispartofseriesTemas de Estabilidad Financiera
dc.relation.isversionofTemas de Estabilidad Financiera ; No. 20
dc.rights.accessRightsOpen Access
dc.rights.urihttps://creativecommons.org/licenses/by-nc-sa/4.0/
dc.subjectBancos
dc.subjectInstituciones financieras
dc.subjectRiesgo
dc.subjectProbabilidades
dc.subjectColombia
dc.titleCompetencia espacial en el mercado colombiano de depósitos
dc.typeWorking Paper
dc.subject.jelG21 - Banks; Depository Institutions; Micro Finance Institutions; Mortgages
dc.subject.jelG29 - Financial Institutions and Services: Other
dc.subject.jelE44 - Financial Markets and the Macroeconomy
dc.audiencePolicymakers
dc.audienceResearchers
dc.audienceStudents
dc.audienceTeachers
dc.subject.keywordBanks
dc.subject.keywordFinancial institutions
dc.subject.keywordRisk
dc.subject.keywordProbabilities
dc.subject.keywordColombia
dc.subject.lembMercado bancario -- Colombia
dc.subject.lembCompetencia bancaria -- Colombia
dc.subject.lembIntermediación financiera -- Colombia
dc.type.spaDocumentos de trabajo
dc.rights.spaAcceso abierto
dc.rights.ccAtribucion-NoComercial-CompartirIgual CC BY-NC-SA 4.0
dc.subject.jelspaG21 - Bancos; Instituciones de depósito; Instituciones Microfinancieras; Hipotecas
dc.subject.jelspaG29 - Instituciones y servicios financieros: Otros
dc.subject.jelspaE44 - Mercados financieros y macroeconomía
dc.type.hasversionPublished Version
dc.coverage.sucursalBogotá
dc.source.bibliographicCitationBarros, P. (1997) “Multimarket Competition in Banking, with an Example from the Portuguese Market”, International Journal of Industrial Organization, v. 17, pp. 335-352.
dc.source.bibliographicCitationChiappori, P. A.; Perez-Castrillo, D.; Verdier, D. (1993) “Spatial Competition in the Banking System: Localization, Cross Subsidies and the Regulation of Deposit Rates”, European Economic Review, v. 39, pp. 889-918.
dc.source.bibliographicCitationSalamanca, D. (2005) “Competencia en los mercados de crédito y depósitos en Colombia: aplicación de un modelo de oligopolio fijador de precios” (tesis de maestría), Facultad de Economía, Universidad de los Andes.
dc.relation.doihttp://doi.org/10.32468/tef.20
dc.rights.disclaimerLas opiniones contenidas en el presente documento son responsabilidad exclusiva de los autores y no comprometen al Banco de la República ni a su Junta Directiva.
dc.relation.numbertef 20
dc.relation.repechttps://ideas.repec.org/p/bdr/temest/020.html
dc.identifier.handlehttp://hdl.handle.net/20.500.12134/2073


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