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Risk, Size and Concentration in the Chilean Banking System

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  • Rómulo Chumacero E.
  • Patricia S. Langoni

Abstract

The possible merger of two of Chile’s largest banks spurred a strong debate. It is claimed that higher levels of bank concentration would significantly increase the aggregate (systemic) risk of the banking system. This assumes implicitly that the bankers’ attitude toward risk taking are correlated with bank size and that current regulations of Chilean banks would not be sufficient to prevent an increase in overall risk. This paper evaluates both at the theoretical and empirical level whether there is any support for this claim.

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File URL: http://www.bcentral.cl/estudios/revista-economia/2001/abril2001/rec_v4n1_pp25_34.pdf
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Bibliographic Info

Article provided by Central Bank of Chile in its journal Economía Chilena.

Volume (Year): 4 (2001)
Issue (Month): 1 (April)
Pages: 25-34

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Handle: RePEc:chb:bcchec:v:4:y:2001:i:1:p:25-34

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  1. Paul S. Calem & Rafael Rob, 1996. "The impact of capital-based regulation on bank risk-taking: a dynamic model," Finance and Economics Discussion Series 96-12, Board of Governors of the Federal Reserve System (U.S.).
  2. Ben Craig & João Cabral dos Santos, 1997. "The risk effects of bank acquisitions," Economic Review, Federal Reserve Bank of Cleveland, issue Q II, pages 25-35.
  3. J. Rodrigo Fuentes & Miguel Basch, 1998. "Determinantes de los spreads bancarios: El caso de Chile," IDB Publications 7581, Inter-American Development Bank.
  4. Rebecca S. Demsetz & Marc R. Saidenberg & Philip E. Strahan, 1997. "Agency problems and risk taking at banks," Research Paper 9709, Federal Reserve Bank of New York.
  5. Miguel Basch & Rodrigo Fuentes, 1998. "Determinantes de los spreads bancarios: El caso de Chile," Research Department Publications 3028, Inter-American Development Bank, Research Department.
  6. Joseph G. Haubrich, 1994. "Bank diversification: laws and fallacies of large numbers," Working Paper 9417, Federal Reserve Bank of Cleveland.
  7. Mathias Dewatripont & Jean Tirole, 1994. "The prudential regulation of banks," ULB Institutional Repository 2013/9539, ULB -- Universite Libre de Bruxelles.
  8. Philip E. Strahan, 1999. "Borrower risk and the price and nonprice terms of bank loans," Staff Reports 90, Federal Reserve Bank of New York.
  9. Rebecca S. Demsetz & Marc R. Saidenberg & Philip E. Strahan, 1997. "Agency problems and risk taking at banks," Staff Reports 29, Federal Reserve Bank of New York.
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