The Impact of Competition on Bank Orientation and Specialization
نویسندگان
چکیده
How do banks react to increased interbank competition? Recent banking theory offers conflicting predictions about the impact of interbank competition on bank orientation i.e., the choice of relationship based versus transactional banking and bank industry specialization. We empirically investigate the impact of interbank competition on bank orientation and specialization. We employ a data set containing detailed information on bank-firm relationships and industry classification. We find that bank branches facing stiff local and multi-market competition engage relatively more frequently in relationship-based lending but specialize somewhat less in a particular industry.
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