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WHO COMPETES WITH WHOM? THE CASE OF DEPOSITORY INSTITUTIONS -super-*

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Author Info

  • ROBERT M. ADAMS
  • KENNETH P. BREVOORT
  • ELIZABETH K. KISER

Abstract

The willingness of consumers to substitute between banks and thrifts and between multimarket and single-market institutions is of strong interest to policymakers, yet little empirical work exists in this area. We estimate a structural model of consumer choice of depository institutions using a broadly representative panel data set covering the U.S. from 1990-2001. Using a flexible framework, we uncover utility parameters that affect a consumer's institution choice and measure the degree of market segmentation for two institutional subgroups. Our estimated parameters, elasticities and policy experiments suggest limited substitutability between banks and thrifts and between multimarket and single-market institutions, especially in urban markets. Copyright 2007 Blackwell Publishing Ltd..

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Bibliographic Info

Article provided by Wiley Blackwell in its journal The Journal of Industrial Economics.

Volume (Year): 55 (2007)
Issue (Month): 1 (03)
Pages: 141-167

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Handle: RePEc:bla:jindec:v:55:y:2007:i:1:p:141-167

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Blog mentions

As found by EconAcademics.org, the blog aggregator for Economics research:
  1. Guest Post: A New Financial Foundation?
    by Leo Kolivakis in Naked capitalism on 2009-06-16 11:40:00
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Cited by:
  1. Chun-Yu Ho, 2009. "Market Structure, Welfare, and Banking Reform in China," Working Papers 302009, Hong Kong Institute for Monetary Research.
  2. Pereira, Pedro & Ribeiro, Tiago & Vareda, João, 2013. "Delineating markets for bundles with consumer level data: The case of triple-play," International Journal of Industrial Organization, Elsevier, vol. 31(6), pages 760-773.
  3. Ho, Katherine & Ishii, Joy, 2011. "Location and competition in retail banking," International Journal of Industrial Organization, Elsevier, vol. 29(5), pages 537-546, September.
  4. Dick, Astrid A., 2008. "Demand estimation and consumer welfare in the banking industry," Journal of Banking & Finance, Elsevier, vol. 32(8), pages 1661-1676, August.
  5. Dai, Mian & Yuan, Yuan, 2013. "Product differentiation and efficiencies in the retail banking industry," Journal of Banking & Finance, Elsevier, vol. 37(12), pages 4907-4919.

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