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| Tekijä: | Das, S. Nanda, A. |
| Otsikko: | A theory of banking structure |
| Lehti: | Journal of Banking and Finance
1999 : JUN, VOL. 23:6, p. 863-896 |
| Asiasana: | THEORIES BANKING STRUCTURAL ANALYSIS |
| Kieli: | eng |
| Tiivistelmä: | This paper proposes a theory to analyze the specialization of banking activities based upon the different functions that banks perform when rendering a variety of financial services. The functional difference in the services performed by the banks is based upon two dimensions: the degree of information asymmetry involved in providing the service, and the degree of verifiability of the value of the service rendered. This has implications for the length of banking relationships and also determines whether banks develop the right degree of skill specialization and resource intensity for the existing task mix. |
SCIMA