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Work in progress on the Costs of Banking Contracts: Towards a New «Transparency»?

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  • Gianluca Mucciarone

Abstract

In recent years, the regulation of economic conditions of banking contracts hasundergone a significant change. New rules were issued on remuneration of creditsand overrunning, value date, secondary costs of payment services, costs for the informationprovided to clients and credit assessment. These rules can be regarded as the«sketch of a new drawing» of transparency. This drawing is based on the distinctionbetween «price» and «expenses» and reduces the expenses chargeable to clients, sothat the overall cost of services do not exceed - as rule - their price. This approachis intended not only to make agreements more understandable to clients, but alsodirectly to promote efficiency in the industry.

Suggested Citation

  • Gianluca Mucciarone, 2013. "Work in progress on the Costs of Banking Contracts: Towards a New «Transparency»?," Banca Impresa Società, Società editrice il Mulino, issue 2, pages 337-356.
    • Handle: RePEc:mul:jqmthn:doi:10.1435/75292:y:2013:i:2:p:337-356
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    Keywords

    Bank; contract; cost; price; transparency.;
    All these keywords.

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