The big banks and their small banks: Market division for low-income credit holders and interest comparison within the conglomerates
نویسندگان
چکیده
“Finance companies” (technically, credit, financing, and investment companies - SCFIs) coexist with large banks within economic conglomerates. Using historical series of interest rates, we tested the hypothesis that SCFIs belonging to banking groups other subsidiary institutions (non-major banks) would focus on more vulnerable customers, who accept contract credit at higher rates than those practiced by same group, in modalities. We conclude our data capture evidence practice subsidiaries (SCFIs or comparing respective main banks, which may reflect specialization certain niche markets; however, also find situations major charge their subsidiaries. Furthermore, present resolutions National Monetary Council (CMN) regulate highlight SCFIs' relationships correspondents, franchises. Finally, examine equity profile according following categories: (i) financial linked one five banks; (ii) financials conglomerates, except (iii) non-banking groups; (iv) independent companies.
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ژورنال
عنوان ژورنال: Economic Analysis of Law Review
سال: 2022
ISSN: ['2178-0587']
DOI: https://doi.org/10.31501/ealr.v13i2.12481