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首页> 外文期刊>The Journal of Business >Bank Consolidation and the Dynamics of Consumer Loan Interest Rates
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Bank Consolidation and the Dynamics of Consumer Loan Interest Rates

机译：银行合并与消费贷款利率动态

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摘要

This paper analyzes interest rates quoted by individual banks for personal and automobile loans in 10 cities. Personal loan rates are higher in concentrated markets, and banks involved in mergers reduce personal rates relative to their competitors prior to the merger's completion. This is consistent with mergers changing the size structure of personal loan markets and merger participants' desire to gain regulatory approval. Auto rates are unaffected by local concentration and mergers, suggesting that their market is nationwide. Rates for both loan types respond asymmetrically to changes in Treasury rates, being more sensitive to a rise than a fall.
机译：本文分析了10个城市的个人银行针对个人和汽车贷款的利率。在集中市场中，个人贷款利率较高，并且在合并完成之前，参与合并的银行相对于竞争对手降低了个人利率。这与兼并改变个人贷款市场的规模结构以及兼并参与者渴望获得监管部门批准的愿望是一致的。汽车费率不受本地集中度和合并的影响，表明汽车费率市场是全国性的。两种贷款类型的利率对国库券利率的变化非对称地做出反应，对上升而不是下降更为敏感。

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