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Relationship Banking in Bilateral Oligopoly and Asymmetric Information

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Author Info
Yoonhee Tina Chang

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Abstract

This paper investigates the economic principles underlying the relationship between the real sector (non-financial) and the banking sector structures. Most literature has so far focused on the structure of conglomerates (Keiretsu/Chaebol) in East Asia in explaining the fast economic growth and/or recent crisis in the region. Traditionally, the strong vertical relationship between core companies and their subsidiaries in the real sector was believed to be a driving force for the economic success in the region. However, the degree of vertical relationship varies depending upon macroeconomic fluctuations and subsequently affects their relationship banks. The paper analyses the information sharing in a bilateral oligopoly framework. When banks prefer strong collaterals and/or credible third party repayment guarantees, a weaker vertical relationship in the real sector should lead to a consolidation in the banking sector via mergers or exits. Empirical evidence from the panel data constructed for the top 10 Chaebols and their subsidiaries between 1994-2002 supports the argument

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Publisher Info
Paper provided by Econometric Society in its series Econometric Society 2004 Far Eastern Meetings with number 734.

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Date of creation: 11 Aug 2004
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Handle: RePEc:ecm:feam04:734

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Related research
Keywords: Relationship Banking; Bilateral Oligopoly; Vertical Relation; Asymmetric information;

Find related papers by JEL classification:
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages
G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
L13 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Oligopoly and Other Imperfect Markets
L59 - Industrial Organization - - Regulation and Industrial Policy - - - Other

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  7. Cowling, Keith & Waterson, Michael, 1976. "Price-Cost Margins and Market Structure," Economica, London School of Economics and Political Science, vol. 43(171), pages 267-74, August. [Downloadable!] (restricted)
  8. Chiappori, Pierre-Andre & Perez-Castrillo, David & Verdier, Thierry, 1995. "Spatial competition in the banking system: Localization, cross subsidies and the regulation of deposit rates," European Economic Review, Elsevier, vol. 39(5), pages 889-918, May. [Downloadable!] (restricted)
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  10. Boot, Arnoud W. A., 2000. "Relationship Banking: What Do We Know?," Journal of Financial Intermediation, Elsevier, vol. 9(1), pages 7-25, January. [Downloadable!] (restricted)
  11. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 71(3), pages 393-410, June. [Downloadable!] (restricted)
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