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Structural deregulation and market entry: the case of financial services

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Author Info
Hilary Ingham
Steve Thompson
Abstract

A major policy initiative over the past decade or so has been the deregulation of professional and financial services. In particular, reforms have been directed at structural deregulation, i.e. the removal of restrictions upon entry to or exit from specified markets and upon the permissible range of a firm’s activities. In some cases changes have been achieved via negotiation with self-regulatory professional bodies and in others through legislation and statutory direction. In either event, the effect of removing entry restrictions has frequently been to trigger an inward rush for market positions, typically followed by a later exodus of the unsuccessful entrants. Whatever the long-term consequences of relaxing entry rules, this immediate entry race has attracted criticisms. It has been suggested that it encourages overbidding for existing assets (Wright, Ennew and Starkey, 1992) and the creation of unnecessary capacity. A number of commentators have blamed the severity of the current UK recession on the excesses of credit expansion in the aftermath of financial services deregulation.

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Article provided by Institute for Fiscal Studies in its journal Fiscal Studies.

Volume (Year): 14 (1993)
Issue (Month): 1 (February)
Pages: 1-15
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Handle: RePEc:ifs:fistud:v:14:y:1993:i:1:p:1-15

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  1. Montgomery, Cynthia A. & Hariharan, S., 1991. "Diversified expansion by large established firms," Journal of Economic Behavior & Organization, Elsevier, vol. 15(1), pages 71-89, January. [Downloadable!] (restricted)
  2. Teece, David J., 1980. "Economies of scope and the scope of the enterprise," Journal of Economic Behavior & Organization, Elsevier, vol. 1(3), pages 223-247, September. [Downloadable!] (restricted)
  3. Sue Jaffer & David Thompson, 1986. "Deregulating express coaches: a reassessment," Fiscal Studies, Institute for Fiscal Studies, vol. 7(4), pages 45-68, November.
  4. Edward J. Kane, 1984. "Technological and Regulatory Forces in the Developing Fusion of Financial-Services Competition," NBER Working Papers 1320, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
  5. Bailey, Elizabeth E, 1986. "Price and Productivity Change Following Deregulation: The U.S. Experience," Economic Journal, Royal Economic Society, vol. 96(381), pages 1-17, March.
  6. Kane, Edward J, 1984. " Technological and Regulatory Forces in the Developing Fusion of Financial-Services Competition," Journal of Finance, American Finance Association, vol. 39(3), pages 759-72, July. [Downloadable!] (restricted)
  7. Mishkin, Frederic S, 1992. "An Evaluation of the Treasury Plan for Banking Reform," Journal of Economic Perspectives, American Economic Association, vol. 6(1), pages 133-53, Winter. [Downloadable!] (restricted)
  8. Teece, David J., 1982. "Towards an economic theory of the multiproduct firm," Journal of Economic Behavior & Organization, Elsevier, vol. 3(1), pages 39-63, March. [Downloadable!] (restricted)
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