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Competition issues in European banking

机译：欧洲银行业的竞争问题

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摘要

Purpose – The purpose of this paper is to assess the outcome of European Union (EU) deregulation and competition policies on the competitive conditions of the main EU banking markets. Design/methodology/approach – After a review of deregulation and competitition policies in the EU banking industry, the degree of competition in the largest five EU banking markets using is tessted both structural (concentration ratios and Herfindahl-Hirshman indices) and non-structural (H-statistics and Lerner index) approaches. Findings – Results indicate that EU banking markets are becoming progressively more concentrated and that there is no evidence of an increase in competitive pressure. Country differences are also apparent thereby indicating that despite the sustained regulatory interventions, significant barriers to the integration of EU retail banking markets remain. In line with recent literature, the analysis also seems to provide further evidence that concentration is not necessarily a good proxy for competition. Originality/value – Increased market concentration and its effects on competition are of relevance in a period of renewed EU regulatory efforts to remove the remaining barriers to the integration of financial markets. The evaluation of competitive conditions and market power in EU banking are therefore of interest to policy-makers and regulators.
机译：目的–本文的目的是评估欧盟（EU）放松管制和竞争政策对主要欧盟银行市场竞争状况的结果。设计/方法/方法–审查了欧盟银行业的放松管制和竞争政策后，使用结构性（集中度比率和赫芬达尔·赫希曼指数）和非结构性（集中度）对欧洲五个最大的银行业市场的竞争程度进行了测试。 H统计和Lerner指数）方法。研究结果–结果表明，欧盟银行业市场正变得越来越集中，没有证据表明竞争压力有所增加。国家间的差异也很明显，从而表明尽管采取了持续的监管干预措施，但仍存在阻碍欧盟零售银行市场一体化的重大障碍。与最近的文献一致，该分析似乎也提供了进一步的证据，表明专注不一定是竞争的良好替代。原创性/价值–在欧盟为消除金融市场一体化的剩余障碍而进行的新的监管努力期间，市场集中度的提高及其对竞争的影响至关重要。因此，决策者和监管者对欧盟银行业的竞争条件和市场支配力的评估很感兴趣。

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