| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP16258 |
| DP16258 Information Technology and Bank Competition | |
| Xavier Vives; Zhiqiang Ye | |
| 发表日期 | 2021-06-14 |
| 出版年 | 2021 |
| 语种 | 英语 |
| 摘要 | In a spatial model of bank competition, we study how information technology (IT) affects lending competition, stability, and welfare. The effects of an IT improvement depend on whether or not it weakens the influence of bank–borrower distance on monitoring costs. If so, then bank competition intensifies, which can reduce banks’ profitability and stability and have an ambiguous welfare effect. Otherwise, competition intensity does not vary, improving the profitability and stability of banks and welfare. Banks will acquire the best possible IT if it is cheap enough; otherwise, different types of IT investment co-move in response to shocks. |
| 主题 | Financial Economics ; Industrial Organization |
| 关键词 | Bank stability Credit Monitoring/screening Fintech Big data Price discrimination Deposit insurance Regulation |
| URL | https://cepr.org/publications/dp16258-1 |
| 来源智库 | Centre for Economic Policy Research (United Kingdom) |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/545223 |
| 推荐引用方式 GB/T 7714 | Xavier Vives,Zhiqiang Ye. DP16258 Information Technology and Bank Competition. 2021. |
| 条目包含的文件 | 条目无相关文件。 | |||||
| 个性服务 |
| 推荐该条目 |
| 保存到收藏夹 |
| 导出为Endnote文件 |
| 谷歌学术 |
| 谷歌学术中相似的文章 |
| [Xavier Vives]的文章 |
| [Zhiqiang Ye]的文章 |
| 百度学术 |
| 百度学术中相似的文章 |
| [Xavier Vives]的文章 |
| [Zhiqiang Ye]的文章 |
| 必应学术 |
| 必应学术中相似的文章 |
| [Xavier Vives]的文章 |
| [Zhiqiang Ye]的文章 |
| 相关权益政策 |
| 暂无数据 |
| 收藏/分享 |
除非特别说明，本系统中所有内容都受版权保护，并保留所有权利。
