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Finance companies, bank competition, and niche markets

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  • Eli M. Remolona
  • Kurt C. Wulfekuhler
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    Abstract

    During the 1980s, U.S. commercial banks faced increased competition in their lending activity from large finance companies. This article analyzes the differential performance of banks and finance companies in various segments of the consumer and business credit markets. In particular, it explores why banks were seemingly slow to take advantage of opportunities in fast-growing finance company niche markets.

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    File URL: http://www.newyorkfed.org/research/quarterly_review/1992v17/v17n2article3.pdf
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    Bibliographic Info

    Article provided by Federal Reserve Bank of New York in its journal Quarterly Review.

    Volume (Year): (1992)
    Issue (Month): Sum ()
    Pages: 25-38

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    Handle: RePEc:fip:fednqr:y:1992:i:sum:p:25-38:n:v.17no.2

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    Keywords: Financial institutions ; Financial services industry ; Bank competition;

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    Cited by:
    1. Robert DeYoung, 2001. "Learning-by-doing, scale efficiencies, and financial performance at Internet-only banks," Working Paper Series WP-01-06, Federal Reserve Bank of Chicago.
    2. Dimitri B. Papadimitriou & Ronnie J. Phillips & L. Randall Wray, 1994. "Community-based Factoring Companies and Small Business Lending," Economics Working Paper Archive wp_108, Levy Economics Institute.
    3. Mark Carey & Mitch Post & Steven A. Sharpe, 1996. "Does corporate lending by banks and finance companies differ? Evidence on specialization in private debt contracting," Finance and Economics Discussion Series 96-25, Board of Governors of the Federal Reserve System (U.S.).
    4. Dimitri B. Papadimitriou & Ronnie J. Phillips & L. Randall Wray, . "An Alternative in Small Business Finance, Community-Based Factoring Companies and Small Business Lending," Economics Public Policy Brief Archive 12, Levy Economics Institute.
    5. Karlyn Mitchell & Douglas Pearce, 2011. "Lending technologies, lending specialization, and minority access to small-business loans," Small Business Economics, Springer, vol. 37(3), pages 277-304, October.
    6. Michael E. Staten & John M. Barron & Andrew B. Chong, 2004. "The Emergence of Captive Finance Companies and Risk Segmentation of the Consumer Loan Market:Theory and Evidence," Econometric Society 2004 Far Eastern Meetings 584, Econometric Society.

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