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      Intermediation spread, bank supervision, and financial stability

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      Author
      Özyıldırım, Süheyla
      Date
      2010
      Source Title
      Review of Pacific Basin Financial Markets and Policies
      Print ISSN
      0219-0915
      Publisher
      World Scientific Publishing
      Volume
      13
      Issue
      4
      Pages
      517 - 537
      Language
      English
      Type
      Article
      Item Usage Stats
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      Abstract
      This paper models the effect of bank competition and deposit insurance premiums on the spread between lending and deposit rates. In developing economies, low spreads do not always indicate bank efficiency; they may be the result of high risk taking. This paper shows that imposing upper and lower limits on banks' spreads and adjusting deposit insurance premiums when violation of these limits occurs leads to a more stable but relatively large intermediation costs. In developing economies, such an outcome would be considered more desirable because it insulates existing financial intermediaries and investors against macroeconomic disturbances.
      Keywords
      Deposit market
      Financial stability
      Insurance premium
      Intermediation spread
      Banking
      Competition (economics)
      Developing world
      Financial market
      Financial system
      Insurance system
      Macroeconomics
      Permalink
      http://hdl.handle.net/11693/22104
      Published Version (Please cite this version)
      http://dx.doi.org/10.1142/S0219091510002050
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