Financial Liberalization, Bank Market Structure, and Financial Deepening : An Interest Margin Analysis /

The paper shows that commercial banks' ability to lower deposit interest rates (market power) can increase deposit mobilization. Interest expenses saved can subsidize and lower fees on checking and branching services and thus help attract deposits. United States data illustrates the financial d...

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Xehetasun bibliografikoak
Egile nagusia: Sarr, Abdourahmane
Formatua: Aldizkaria
Hizkuntza:English
Argitaratua: Washington, D.C. : International Monetary Fund, 2000.
Saila:IMF Working Papers; Working Paper ; No. 2000/038
Sarrera elektronikoa:Full text available on IMF
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020 |z 9781451845686 
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100 1 |a Sarr, Abdourahmane. 
245 1 0 |a Financial Liberalization, Bank Market Structure, and Financial Deepening :   |b An Interest Margin Analysis /  |c Abdourahmane Sarr. 
264 1 |a Washington, D.C. :  |b International Monetary Fund,  |c 2000. 
300 |a 1 online resource (30 pages) 
490 1 |a IMF Working Papers 
500 |a <strong>Off-Campus Access:</strong> No User ID or Password Required 
500 |a <strong>On-Campus Access:</strong> No User ID or Password Required 
506 |a Electronic access restricted to authorized BRAC University faculty, staff and students 
520 3 |a The paper shows that commercial banks' ability to lower deposit interest rates (market power) can increase deposit mobilization. Interest expenses saved can subsidize and lower fees on checking and branching services and thus help attract deposits. United States data illustrates the financial deepening effect of this market power. Commercial banks' ability to lower deposit interest rates diminishes when their deposits become closer substitutes to nonbank liabilities requiring greater interest rate competition. Lack of bank deposit market power, including through capital account mobility, may lessen financial deepening. 
538 |a Mode of access: Internet 
830 0 |a IMF Working Papers; Working Paper ;  |v No. 2000/038 
856 4 0 |z Full text available on IMF  |u http://elibrary.imf.org/view/journals/001/2000/038/001.2000.issue-038-en.xml  |z IMF e-Library