Bank Consolidation and the Dynamics of Consumer Loan Interest Rates

This paper analyzes interest rates quoted by individual banks for personal and automobile loans in 10 cities. Personal loan rates are higher in concentrated markets, and banks involved in mergers reduce personal rates relative to their competitors prior to the merger's completion. This is consi...

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Veröffentlicht in:	The Journal of business (Chicago, Ill.) Ill.), 2005-01, Vol.78 (1), p.99-134
Hauptverfasser:	Kahn, Charles, Pennacchi, George, Sopranzetti, Ben
Format:	Artikel
Sprache:	eng
Schlagworte:	Access to credit Automobile loans Bank acquisitions & mergers Bank examinations Bank loans Bank markets Bank rates Banking industry Banking system Banks Business studies Capital market Commercial banks Competition Consumer credit Consumer loans Credit market Economic concentration Economic dynamics Empirical research Financial economics Herfindahl Hirschman index Impact analysis Interest rates Interest rates-deposits Interstate banking Loan rates Loans Market shares Market structure Regulation Regulatory approval Retail banking Small business loans Studies U.S.A
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