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Microeconometrics of BankingMethods, Applications, and Results$
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Hans Degryse, Moshe Kim, and Steven Ongena

Print publication date: 2009

Print ISBN-13: 9780195340471

Published to Oxford Scholarship Online: October 2011

DOI: 10.1093/acprof:oso/9780195340471.001.0001

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The Industrial Organization Approach to Banking

The Industrial Organization Approach to Banking

(p.26) 3 The Industrial Organization Approach to Banking
Microeconometrics of Banking

Hans Degryse

Moshe Kim

Steven Ongena

Oxford University Press

This chapter outlines the industrial organization approach to banking. While the empirical industrial organization literature has introduced many concepts and methodologies that have been applied either across different industries or initially applied in other industries, the discussion here focuses on papers bringing these approaches first to financial intermediation. The methodology section discusses the methodologies employed in the structure-conduct-performance literature, in the studies of bank efficiency and of economies of scale and scope, the Panzar and Rosse (1987) approach, the Boone (2008) competition indicator, the conjectural variations method, the structural-demand models, and other structural models. The results section addresses the evidence on the market structure and conduct nexus in loan markets, deposit markets, and the interplay between markets and the market structure and strategy nexus, as product differentiation and network effects.

Keywords:   bank efficiency, SCP, Panzar, Rosse, Boone, product differentiation, network effects

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