haku: @indexterm LOANS / yhteensä: 417
viite: 13 / 417
| Tekijä: | Degryse, H. Laeven, L. Ongena, S. |
| Otsikko: | The impact of organizational structure and lending technology on banking competition |
| Lehti: | Review of finance
2009 : VOL 13:2 p. 225-259 |
| Asiasana: | banking loans organizational structure strategy communication technology |
| Kieli: | eng |
| Tiivistelmä: | In this article it is investigated how bank organization shapes banking competition. It is shown that a bank's geographical lending reach and loan pricing strategy is determined by its own and its rivals' organizational structure. The impact of organization on the geographical reach and loan pricing of a large bank are estimated. It is found that the reach of the bank is smaller when rival banks are large and hierarchically organized, have superior communication technology, have a narrower span of organization, and are closer to a decision unit with lending authority. Rival banks' size and the number of layers to a decision unit soften spatial pricing. |
SCIMA