European banking: An overview
Against a background of far-reaching structural change in the banking sector, this article reviews the recent academic literature on developments in European banking. European banking markets have become increasingly integrated in recent years, but barriers to full integration, especially in retail...
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| Published in: | Journal of banking & finance Vol. 31; no. 7; pp. 1911 - 1935 |
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| Main Authors: | , , , |
| Format: | Journal Article |
| Language: | English |
| Published: |
Amsterdam
Elsevier B.V
01-07-2007
Elsevier Elsevier Sequoia S.A |
| Series: | Journal of Banking & Finance |
| Subjects: | |
| Online Access: | Get full text |
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| Abstract | Against a background of far-reaching structural change in the banking sector, this article reviews the recent academic literature on developments in European banking. European banking markets have become increasingly integrated in recent years, but barriers to full integration, especially in retail banking, still remain. European integration has possible implications for systemic risk, and poses various challenges for the current supervisory framework. The banks’ responses to the changing competitive environment include the pursuit of strategies of diversification, vertical product differentiation and consolidation. European integration has implications for competition in banking markets, for the nature of long-term borrower-lender relationships, and for the relationships between ownership structure, technological change and bank efficiency. The article concludes by reviewing recent literature on the credit channel in the monetary transmission mechanism, and interest rate pass-through. |
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| AbstractList | Against a background of far-reaching structural change in the banking sector, this article reviews the recent academic literature on developments in European banking. European banking markets have become increasingly integrated in recent years, but barriers to full integration, especially in retail banking, still remain. European integration has possible implications for systemic risk, and poses various challenges for the current supervisory framework. The banks' responses to the changing competitive environment include the pursuit of strategies of diversification, vertical product differentiation and consolidation. European integration has implications for competition in banking markets, for the nature of long-term borrower-lender relationships, and for the relationships between ownership structure, technological change and bank efficiency. The article concludes by reviewing recent literature on the credit channel in the monetary transmission mechanism, and interest rate pass-through. [PUBLICATION ABSTRACT] Against a background of far-reaching structural change in the banking sector, this article reviews the recent academic literature on developments in European banking. European banking markets have become increasingly integrated in recent years, but barriers to full integration, especially in retail banking, still remain. European integration has possible implications for systemic risk, and poses various challenges for the current supervisory framework. The banks’ responses to the changing competitive environment include the pursuit of strategies of diversification, vertical product differentiation and consolidation. European integration has implications for competition in banking markets, for the nature of long-term borrower-lender relationships, and for the relationships between ownership structure, technological change and bank efficiency. The article concludes by reviewing recent literature on the credit channel in the monetary transmission mechanism, and interest rate pass-through. Against a background of far-reaching structural change in the banking sector, this article reviews the recent academic literature on developments in European banking. European banking markets have become increasingly integrated in recent years, but barriers to full integration, especially in retail banking, still remain. European integration has possible implications for systemic risk, and poses various challenges for the current supervisory framework. The banks' responses to the changing competitive environment include the pursuit of strategies of diversification, vertical product differentiation and consolidation. European integration has implications for competition in banking markets, for the nature of long-term borrower-lender relationships, and for the relationships between ownership structure, technological change and bank efficiency. The article concludes by reviewing recent literature on the credit channel in the monetary transmission mechanism, and interest rate pass-through. All rights reserved, Elsevier |
| Author | Molyneux, Philip Goddard, John Wilson, John O.S. Tavakoli, Manouche |
| Author_xml | – sequence: 1 givenname: John surname: Goddard fullname: Goddard, John email: j.goddard@bangor.ac.uk organization: Business School, University of Wales, Bangor, Gwynedd LL57 2DG, UK – sequence: 2 givenname: Philip surname: Molyneux fullname: Molyneux, Philip email: p.molyneux@bangor.ac.uk organization: Business School, University of Wales, Bangor, Gwynedd LL57 2DG, UK – sequence: 3 givenname: John O.S. surname: Wilson fullname: Wilson, John O.S. email: jsw7@st-and.ac.uk organization: School of Management, University of St. Andrews, The Gateway, North Haugh, St. Andrews, Fife, KY16 9SS, UK – sequence: 4 givenname: Manouche surname: Tavakoli fullname: Tavakoli, Manouche email: mt@st-and.ac.uk organization: School of Management, University of St. Andrews, The Gateway, North Haugh, St. Andrews, Fife, KY16 9SS, UK |
| BackLink | http://econpapers.repec.org/article/eeejbfina/v_3a31_3ay_3a2007_3ai_3a7_3ap_3a1911-1935.htm$$DView record in RePEc |
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| Publisher | Elsevier B.V Elsevier Elsevier Sequoia S.A |
| Publisher_xml | – name: Elsevier B.V – name: Elsevier – name: Elsevier Sequoia S.A |
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| Title | European banking: An overview |
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