English, Article, Journal or magazine article edition: Role of Non-Performing Loads (NPLs) and Capital Adequacy in Banking Structure and Competition Yoonhee Tina Chang

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Bookmark: http://trove.nla.gov.au/version/49183
Physical Description
  • preprint
Language
  • English

Edition details

Title
  • Role of Non-Performing Loads (NPLs) and Capital Adequacy in Banking Structure and Competition
Author
  • Yoonhee Tina Chang
Physical Description
  • preprint
Notes
  • This paper analyses the impact of the transition from price-cap regulation (deposit/​loan rate control) to rate-of-return regulation (ROA, NP:s and/​or BIS ratio) on banking industry structure. A simple theoretical model of banking competition suggests that the relative dominance of the two objective functions under different regulatory regimes affects the market structure. Imposing more stringent rate-of-return regulation, whilst relaxing price-cap regulation, reduces the equilibrium number of banks. The result from the theoretical model is also supported by empirical evidence from Korea, which has undergone substantial consolidation in recent years. The empirical analysis uses a unique data set of the entire commercial banking sector in Korea between 1976 and 2003, which covers both pre- and post-banking crisis periods.
  • Non-performing loans, capital adequacy, banking structure, regulation, competition
  • RePEc:ccp:wpaper:wp06-15
Language
  • English
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