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- W4205784905 abstract "This paper investigates the degree of dispersion in the loan pricing of commercial banks and its association with competitive conditions in the banking industry of a large emerging economy. To quantify the lending rate variability in consumer loans, we utilize a new indexation mechanism exploiting a detailed bank-level dataset for the period January 2007–April 2020. With panel convergence methods, we show the existence of heterogeneity in long-term co-movements among banks' loan pricing, while periods following the tightening in financial conditions display short-term deviations from general tendencies as demonstrated by dispersion indices. Our empirical design also entails the construction of competition indicators for aggregated and consumer segment-based credit market developments. Quantile regression results validate that the improvements in industry competition are related to the lower level of lending rate dispersion in housing and vehicle segments in a statistically significant manner, whereas an opposite relationship is evident for general-purpose loans." @default.
- W4205784905 created "2022-01-26" @default.
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- W4205784905 date "2022-03-01" @default.
- W4205784905 modified "2023-10-14" @default.
- W4205784905 title "Consumer loan rate dispersion and the role of competition: Evidence from Turkish banking industry" @default.
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- W4205784905 doi "https://doi.org/10.1016/j.cbrev.2022.01.001" @default.
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