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Intermediation and Vertical Integration

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Author Info
Berlin, Mitchell
Mester, Loretta J

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Abstract

Competition in retail and wholesale funding markets affect the incentive for originators (like investment bankers) and fund managers (like mutual funds) to form integrated intermediaries (banks). Independent firms integrate both to produce higher yielding, illiquid assets and to suppress competition in retail markets. In addition to the higher return on illiquid assets, three factors increase the incentive to integrate. First, homogeneous savers lower the costs of producing illiquid assets and increase competition in retail markets. Second, fund managers' market power in wholesale markets increases competition in retail markets. Finally, more certain aggregate savings reduces the costs of producing illiquid assets.

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Publisher Info
Article provided by Blackwell Publishing in its journal Journal of Money, Credit and Banking.

Volume (Year): 30 (1998)
Issue (Month): 3 (August)
Pages: 500-519
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Handle: RePEc:mcb:jmoncb:v:30:y:1998:i:3:p:500-519

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Web page: http://www.blackwellpublishing.com/journal.asp?ref=0022-2879

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  1. Matutes, Carmen & Vives, Xavier, 1996. "Competition for Deposits, Fragility, and Insurance," Journal of Financial Intermediation, Elsevier, vol. 5(2), pages 184-216, April. [Downloadable!] (restricted)
  2. Winton Andrew, 1995. "Delegated Monitoring and Bank Structure in a Finite Economy," Journal of Financial Intermediation, Elsevier, vol. 4(2), pages 158-187, April. [Downloadable!] (restricted)
  3. Yanelle, Marie-Odile, 1997. "Banking Competition and Market Efficiency," Review of Economic Studies, Blackwell Publishing, vol. 64(2), pages 215-39, April. [Downloadable!] (restricted)
  4. Udell, Gregory F., 1989. "Loan quality, commercial loan review and loan officer contracting," Journal of Banking & Finance, Elsevier, vol. 13(3), pages 367-382, July. [Downloadable!] (restricted)
  5. Boot, Arnoud W. A. & Thakor, Anjan V. & Udell, Gregory F., 1991. "Credible commitments, contract enforcement problems and banks: Intermediation as credibility assurance," Journal of Banking & Finance, Elsevier, vol. 15(3), pages 605-632, June. [Downloadable!] (restricted)
  6. Stahl, Dale O, II, 1988. "Bertrand Competition for Inputs and Walrasian Outcomes," American Economic Review, American Economic Association, vol. 78(1), pages 189-201, March. [Downloadable!] (restricted)
  7. von Thadden, Ernst-Ludwig, 1995. "Long-Term Contracts, Short-Term Investment and Monitoring," Review of Economic Studies, Blackwell Publishing, vol. 62(4), pages 557-75, October. [Downloadable!] (restricted)
  8. David Besanko & Anjan V. Thakor, 2004. "Relationship Banking, Deposit Insurance and Bank Portfolio Choice," Finance 0411046, EconWPA. [Downloadable!]
  9. Thakor, Anjan V., 2000. "Relationship Banking," Journal of Financial Intermediation, Elsevier, vol. 9(1), pages 3-5, January. [Downloadable!] (restricted)
  10. Tim S. Campbell, 1987. "The valuation cost approach to the theory of financial intermediation," Proceedings, Federal Reserve Bank of Chicago, pages 406-422.
  11. Bhattacharya Sudipto & Thakor Anjan V., 1993. "Contemporary Banking Theory," Journal of Financial Intermediation, Elsevier, vol. 3(1), pages 2-50, October. [Downloadable!] (restricted)
  12. Milgrom, Paul R & Weber, Robert J, 1982. "A Theory of Auctions and Competitive Bidding," Econometrica, Econometric Society, vol. 50(5), pages 1089-1122, September. [Downloadable!] (restricted)
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  13. Thakor, Anjan V., 1996. "The design of financial systems: An overview," Journal of Banking & Finance, Elsevier, vol. 20(5), pages 917-948, June. [Downloadable!] (restricted)
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This page was last updated on 2009-11-12.


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