| Publisher | University of Pennsylvania | ||
|---|---|---|---|
| Format | 78.6KB PDF, requires Acrobat Rdr 5 | Date added | 15 Feb 2000 |
| Topics | Online Banking | ||
| Downloads | 67 | ||
As banking markets are becoming increasingly exposed to competition within the industry and to competition from capital markets and other non-banking industries the future of the banking industry has become a widely discussed concern. How will regulatory and technological changes affect the structure of modern banking? Will banks increasingly focus on their traditional core functions of lending and running the payment system, or will they increasingly be integrated into the capital market functions. In this paper we concentrate on banks’ credit business. It is often argued that less competitive banking markets are characterized by bank-firm relationships, while competitive systems tend to establish multiple lending relationships. According to this view, increasing competitiveness should break up banking relationships and generate competitive lending markets with multiple lenders, and, ultimately, converge to capital market finance.
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