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Taxa de Juros e Concentração Bancária no Brasil

Author

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  • Eduardo Kiyoshi Tonooka
  • Sérgio Mikio Koyama

Abstract

This paper analyses the price-concentration relationship for the Brazilian banking industry. Interest rate on loans proxies for price and the Herfindahl-Hirschman index proxies for concentration. A positive price-concentration relationship may be associated with anti-competitive behaviour while a negative one may reflect banks passing scale efficiency gains on to consumers. Berger & Hannan (1989) found a positive relationship for the US banking sector using a geographical concept of market. Due to institutional differences between the Brazilian and the US banking industries, this paper uses a loan category-based concept of market to find no relationship between interest rate on loans and concentration.

Suggested Citation

  • Eduardo Kiyoshi Tonooka & Sérgio Mikio Koyama, 2003. "Taxa de Juros e Concentração Bancária no Brasil," Working Papers Series 62, Central Bank of Brazil, Research Department.
    • Handle: RePEc:bcb:wpaper:62
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    File URL: https://www.bcb.gov.br/content/publicacoes/WorkingPaperSeries/wps62.pdf
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    Cited by:

    1. Chang, Eui Jung & Lima, Eduardo José Araújo & Guerra, Solange M. & Tabak, Benjamin M., 2008. "Measures of Interbank Market Structure: An Application to Brazil," Brazilian Review of Econometrics, Sociedade Brasileira de Econometria - SBE, vol. 28(2), November.
    2. Almeida, Daniel B. de Castro & Jayme Jr., Frederico G., 2008. "Bank consolidation and credit concentration in Brazil (1995-2004)," Revista CEPAL, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL), August.

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