Competition and regulation in retail banking:
The Competition Committee debated retail banking in October 2006. Competition can improve the functioning of the retail banking sector without harming prudential regulation. The efficient functioning of the sector is important for economic performance. The sector is considered special primarily beca...
Gespeichert in:
| Format: | Elektronisch Buchkapitel |
|---|---|
| Sprache: | English |
| Veröffentlicht: |
Paris
OECD Publishing
2011
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| Schlagworte: | |
| Online-Zugang: | DE-384 DE-473 DE-824 DE-29 DE-739 DE-355 DE-20 DE-1028 DE-1049 DE-521 DE-861 DE-898 DE-92 DE-91 DE-573 DE-19 Volltext |
| Zusammenfassung: | The Competition Committee debated retail banking in October 2006. Competition can improve the functioning of the retail banking sector without harming prudential regulation. The efficient functioning of the sector is important for economic performance. The sector is considered special primarily because of externalities related to potential "contagion" effects stemming from (i) the withdrawal-upondemand characteristic of some bank deposits and (ii) the role banks play in the payment system, and (iii) the fact that banks are important for the funding of consumers and SMEs. Customer mobility and choice is essential to simulate retail-banking competition. An important observation is that the degree of customer mobility is low and the longevity of customer-bank relationships is long. Financial information sharing platforms should therefore be promoted and, where limited by privacy laws, privacy laws should be modified in a way that maintains the goal of protecting privacy while also allowing consumers to receive the benefits of credit ratings |
| Beschreibung: | 1 Online-Ressource (65 Seiten) 19 x 27cm |
| DOI: | 10.1787/clp-11-5kg9q0zk2wq2 |
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| illustrated | Not Illustrated |
| index_date | 2024-07-03T19:35:08Z |
| indexdate | 2024-11-07T19:02:50Z |
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| language | English |
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| spelling | Competition and regulation in retail banking Organisation for Economic Co-operation and Development Paris OECD Publishing 2011 1 Online-Ressource (65 Seiten) 19 x 27cm txt rdacontent c rdamedia cr rdacarrier The Competition Committee debated retail banking in October 2006. Competition can improve the functioning of the retail banking sector without harming prudential regulation. The efficient functioning of the sector is important for economic performance. The sector is considered special primarily because of externalities related to potential "contagion" effects stemming from (i) the withdrawal-upondemand characteristic of some bank deposits and (ii) the role banks play in the payment system, and (iii) the fact that banks are important for the funding of consumers and SMEs. Customer mobility and choice is essential to simulate retail-banking competition. An important observation is that the degree of customer mobility is low and the longevity of customer-bank relationships is long. Financial information sharing platforms should therefore be promoted and, where limited by privacy laws, privacy laws should be modified in a way that maintains the goal of protecting privacy while also allowing consumers to receive the benefits of credit ratings Governance Taxation Trade https://doi.org/10.1787/clp-11-5kg9q0zk2wq2 Verlag URL des Erstveröffentlichers Volltext |
| spellingShingle | Competition and regulation in retail banking Governance Taxation Trade |
| title | Competition and regulation in retail banking |
| title_auth | Competition and regulation in retail banking |
| title_exact_search | Competition and regulation in retail banking |
| title_exact_search_txtP | Competition and regulation in retail banking |
| title_full | Competition and regulation in retail banking Organisation for Economic Co-operation and Development |
| title_fullStr | Competition and regulation in retail banking Organisation for Economic Co-operation and Development |
| title_full_unstemmed | Competition and regulation in retail banking Organisation for Economic Co-operation and Development |
| title_short | Competition and regulation in retail banking |
| title_sort | competition and regulation in retail banking |
| topic | Governance Taxation Trade |
| topic_facet | Governance Taxation Trade |
| url | https://doi.org/10.1787/clp-11-5kg9q0zk2wq2 |