Industrial dynamics in Mortgage Markets:
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Abschlussarbeit Buch |
| Sprache: | English |
| Veröffentlicht: |
Bamberg
Difo-Dr.
2013
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| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | 244 S. Ill., graph. Darst. |
Internformat
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Datensatz im Suchindex
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| adam_text | CONTENTS
1
CONTENTS
ABSTRACT V
ABSTRACT (GERMAN) VII
LIST OF ABBREVIATIONS IX
LIST OF FIGURES X
LIST OF TABLES XI
1. INTRODUCTION , 13
1.1 STRUCTURE OF THE THESIS 18
1.2 PRELIMINARY COMMENTS 19
2. RESEARCH SCT-UP 21
2.1 RESEARCH QUESTION 21
2.2 RESEARCH TOPIC 22
2.3 RESEARCH OBJECT 23
2.4 SCIENTIFIC OBJECTIVE 25
2.5 RESEARCH FRAMEWORK 25
2.6 METHODOLOGY 27
2.6.1 DEFINITION OF MARKET ARCHITECTURE 28
2.6.2 MEASUREMENT OF EVOLUTION IN THE MARKET ARCHITECTURE 32
2.7 LIMITATIONS AND SPECIFICATIONS 34
3. THE MORTGAGE INDUSTRY 35
3.1 THE MORTGAGE AS A PRODUCT 36
3.2 THE MORTGAGE VALUE CHAIN 39
3.3 THE ROLES IN THE MORTGAGE INDUSTRY 45
3.4 MORTGAGE MARKET ARCHITECTURES 48
3.4.1 THE INTEGRATED SWISS MORTGAGE MARKET 49
3.4.2 THE INDUSTRIALIZED GERMAN MORTGAGE MARKET 53
3.4.3 THE DISINTEGRATED U.S. MORTGAGE MARKET 56
3.4.4 MAIN DIFFERENCES BETWEEN THE U.S. AND EUROPEAN MORTGAGE MARKETS 60
3.5 BUILDING BLOCKS FOR CHANGE IN THE MORTGAGE INDUSTRY 61
3.5.1 MORTGAGOR BEHAVIOR . 62
3.5.2 RISK IN THE MORTGAGE BUSINESS 65
3.5.3 TECHNOLOGICAL PROGRESS 69
3.5.4 REGULATION AND DEREGULATION 71
3.5.5 ADAPTING TO A CHANGING ENVIRONMENT 74
]I CONTENTS
4. INDUSTRIAL DYNAMICS AND THE MORTGAGE INDUSTRY 77
4.1 INDUSTRIAL DYNAMICS IN GENERAL 78
4.2 AN INTCGRATIVE PERSPECTIVE ON INDUSTRIAL DYNAMICS 85
4.3 INDUSTRIAL DYNAMICS IN THE MORTGAGE INDUSTRY 87
5. REGULATORY CAPTURE IN THE BANKING INDUSTRY 95
5.1 INTRODUCTION 95
5.2 BACKGROUND AND LITERATURE 99
5.3 RESEARCH APPROACH AND CASE STUDY BACKGROUND 102
5.4 CASE STUDY EVIDENCE 106
5.4.1 BASE CASE: THE PERSPECTIVE OF THE REGULATOR 106
5.4.2 MINI CASE 1: THE PERSPECTIVE OF IRB APPLICANTS 110
5.4.3 MINI CASE 2: THE PERSPECTIVE IRB NEAR-APPLICANTS 112
5.4.4 MINI CASE 3: THE PERSPECTIVE OF IRB NON-APPLICANTS 113
5.4.5 SYNTHESIS OF THE CASES 113
5.5 DISCUSSION 116
5.6 CONCLUSION 128
6. RELATIONSHIPS OR PRICES - WHAT DRIVES MORTGAGE BANK CHOICE? 131
6.1 INTRODUCTION 131
6.2 RELATED LITERATURE 134
6.3 DATA 138
6.4 DISTANCE, RELATIONSHIP, INTEREST RATES AND MORTGAGE BANK CHOICE 147
6.4.1 METHODOLOGY 147
6.4.2 EMPIRICAL RESULTS 150
6.5 THE SCOPE OF MORTGAGE VS. NON-MORTGAGE RELATIONSHIPS 154
6.5.1 METHODOLOGY 154
6.5.2 EMPIRICAL RESULTS 155
6.6 DISCUSSION AND CONCLUSION 161
6.7 APPENDIX 165
7. UNPACKING THE BLACK BOX OF CAPABILITIES IN THE BANKING INDUSTRY 169
7.1 INTRODUCTION 169
7.2 CONTRIBUTION TO THE LITERATURE 173
7.3 METHODOLOGY 176
7.4 DATA SOURCES 179
7.4.1 VARIABLE DEFINITIONS FOR COST EFFICIENCY FRONTIER. 180
7.4.2 VARIABLE COSTS 181
7.4.3 OUTPUTS 182
CONTENTS III
7.4.4 INPUT PRICES 183
7.4.5 NETPUT QUANTITIES 183
7.4.6 CONTROL VARIABLES 183
7.4.7 CAPABILITY INDICATORS AS CORRELATES WITH BANK EFFICIENCY 185
7.5 EMPIRICAL RESULTS 191
7.5.1 STANDARD COST EFFICIENCY FRONTIER - BASELINE RESULTS 191
7.5.2 COST EFFICIENCY FRONTIER AND CAPABILITY INDICATORS 193
7.5.3 CAPABILITY INDICATORS AND BANK FAILURES 197
7.6 DISCUSSION 202
7.7 CONCLUSION 203
7.8 APPENDIX 205
8. CONCLUSION AND IMPLICATIONS FOR THE MORTGAGE INDUSTRY 207
8.1 SUMMARY OF THE RESULTS 207
8.1.1 REGULATORY CAPTURE 207
8.1.2 CHANGING MORTGAGOR BEHAVIOR. 209
8.1.3 CAPABILITIES AND FINANCIAL INTERMEDIATION 210
8.2 CONCLUSION FROM A PRACTITIONER S PERSPECTIVE 212
8.2.1 PRODUCT LEVEL 213
8.2.2 PROCESS LEVEL 214
8.2.3 INTERACTIONS ON THE INTRA-AND INTER-FIRM LEVEL 217
8.2.4 FIRM LEVEL 219
8.2.5 INDUSTRY LEVEL 220
REFERENCES 223
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| indexdate | 2024-07-10T00:53:43Z |
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| language | English |
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| physical | 244 S. Ill., graph. Darst. |
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| spelling | Hoffmann, Matthias 1978- Verfasser (DE-588)1013586123 aut Industrial dynamics in Mortgage Markets submitted by Matthias Hoffmann Bamberg Difo-Dr. 2013 244 S. Ill., graph. Darst. txt rdacontent n rdamedia nc rdacarrier St. Gallen, Univ., Diss., 2013 Wettbewerb (DE-588)4065835-1 gnd rswk-swf Hypothekengeschäft (DE-588)4161149-4 gnd rswk-swf (DE-588)4113937-9 Hochschulschrift gnd-content Hypothekengeschäft (DE-588)4161149-4 s Wettbewerb (DE-588)4065835-1 s DE-604 SWB Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=026749355&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Hoffmann, Matthias 1978- Industrial dynamics in Mortgage Markets Wettbewerb (DE-588)4065835-1 gnd Hypothekengeschäft (DE-588)4161149-4 gnd |
| subject_GND | (DE-588)4065835-1 (DE-588)4161149-4 (DE-588)4113937-9 |
| title | Industrial dynamics in Mortgage Markets |
| title_auth | Industrial dynamics in Mortgage Markets |
| title_exact_search | Industrial dynamics in Mortgage Markets |
| title_full | Industrial dynamics in Mortgage Markets submitted by Matthias Hoffmann |
| title_fullStr | Industrial dynamics in Mortgage Markets submitted by Matthias Hoffmann |
| title_full_unstemmed | Industrial dynamics in Mortgage Markets submitted by Matthias Hoffmann |
| title_short | Industrial dynamics in Mortgage Markets |
| title_sort | industrial dynamics in mortgage markets |
| topic | Wettbewerb (DE-588)4065835-1 gnd Hypothekengeschäft (DE-588)4161149-4 gnd |
| topic_facet | Wettbewerb Hypothekengeschäft Hochschulschrift |
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