This chapter concludes the study by summarizing the existing evidence and by providing a list of topics for further research. The list includes issues, such as the effect of the two-stage “purchasing process” in credit markets on the estimated relationships; the development of loan conditions throughout the life-cycle of the bank; bank organization and its impact on competition; the geography of bank financing; the impact of technology on bank organization, banking geography, and banking activities; the role banks play in the development of emerging economies; the effects of monetary policy on bank behavior; the impact of the development of the regulatory and wider institutional framework on competition and bank rents; the interrelationships between social capital, trust, and the functioning of financial markets; and the causes of the banking crisis that started in August 2007 and the consequences on the development of banking products and banking in general.
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