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Are banks really special? A note on the theory of financial intermediaries

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Author Info
Bertocco Giancarlo () (Department of Economics, University of Insubria, Italy)

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Abstract

Economic theory has not paid much attention to the topic of firm financing; this lack of interest was common to the two principal macroeconomic theories, the Keynesian theory and the Monetarist one. This work considers two important exceptions to the mainstream theory. The first coincides with Tobin’s theory. The second exception is constituted by the asymmetric information approach. These two approaches define in a different way the role of banks; Tobin elaborates a ‘new view’ which, in contrast with the ‘old view’, maintains that there are no reasons to attribute a special role to the banks. In contrast with Tobin’s theory, the supporters of the AI approach attribute a special role to the banks but, unlike the ‘old view’, they think that banks’ specificity is justified by the characteristics of their assets rather than by the characteristics of their liabilities. The objective of this paper is twofold: a) to analyse critically Tobin’s approach and the asymmetric information approach; b) to elaborate a theory of financial intermediaries which get over the limits of these two approaches.

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Paper provided by Department of Economics, University of Insubria in its series Economics and Quantitative Methods with number qf04021.

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Length: 31 pages
Date of creation: Oct 2004
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Handle: RePEc:ins:quaeco:qf04021

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  1. Goodhart, C A E, 1987. "Why Do Banks Need a Central Bank?," Oxford Economic Papers, Oxford University Press, vol. 39(1), pages 75-89, March. [Downloadable!] (restricted)
  2. Greenwald, B & Stiglitz, Joseph E, 1987. "Keynesian, New Keynesian and New Classical Economics," Oxford Economic Papers, Oxford University Press, vol. 39(1), pages 119-33, March. [Downloadable!] (restricted)
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  3. Ben S. Bernanke, 1993. "Credit in the macroeconomy," Quarterly Review, Federal Reserve Bank of New York, issue Spr, pages 50-70.
  4. Giancarlo Bertocco, 2007. "The characteristics of a monetary economy: a Keynes--Schumpeter approach," Cambridge Journal of Economics, Oxford University Press, vol. 31(1), pages 101-122, January. [Downloadable!] (restricted)
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  5. Gary Gorton & Andrew Winton, 2002. "Financial Intermediation," NBER Working Papers 8928, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
  6. Joseph E. Stiglitz, 2002. "Information and the Change in the Paradigm in Economics," American Economic Review, American Economic Association, vol. 92(3), pages 460-501, June. [Downloadable!] (restricted)
  7. Franklin Allen & Anthony M. Santomero, 1996. "The Theory of Financial Intermediation," Center for Financial Institutions Working Papers 96-32, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
  8. Fama, Eugene F., 1985. "What's different about banks?," Journal of Monetary Economics, Elsevier, vol. 15(1), pages 29-39, January. [Downloadable!] (restricted)
  9. Greenwald, Bruce & Stiglitz, Joseph E & Weiss, Andrew, 1984. "Informational Imperfections in the Capital Market and Macroeconomic Fluctuations," American Economic Review, American Economic Association, vol. 74(2), pages 194-99, May. [Downloadable!] (restricted)
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  10. Stewart C. Myers, 2001. "Capital Structure," Journal of Economic Perspectives, American Economic Association, vol. 15(2), pages 81-102, Spring. [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)
  12. Tobin, James, 1969. "A General Equilibrium Approach to Monetary Theory," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 1(1), pages 15-29, February. [Downloadable!] (restricted)
  13. Bruce C. Greenwald & Joseph E. Stiglitz, 1993. "Financial Market Imperfections and Business Cycles," NBER Working Papers 2494, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
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  14. Stiglitz, Joseph E & Weiss, Andrew, 1992. "Asymmetric Information in Credit Markets and Its Implications for Macro-economics," Oxford Economic Papers, Oxford University Press, vol. 44(4), pages 694-724, October. [Downloadable!] (restricted)
  15. Giancarlo Bertocco, 2005. "The Role of credit in a Keynesian monetary economy," Review of Political Economy, Taylor and Francis Journals, vol. 17(4), pages 489-511, October. [Downloadable!] (restricted)
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  16. Bruce Greenwald & Joseph Stiglitz, 1993. "New and Old Keynesians," NBER Reprints 1810, National Bureau of Economic Research, Inc.
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  17. Gary Gorton & Andrew Winton, 2002. "Financial Intermediation," Center for Financial Institutions Working Papers 02-28, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
  18. Scholtens, Bert & van Wensveen, Dick, 2000. "A critique on the theory of financial intermediation," Journal of Banking & Finance, Elsevier, vol. 24(8), pages 1243-1251, August. [Downloadable!] (restricted)
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