TY - JOUR

T1 - Concentration in the banking sector and housing lending in Russian regions

AU - Mishura, Anna V.

AU - Bekareva, Svetlana V.

AU - Meltenisova, Ekaterina N.

N1 - Мишура А.В., Бекарева С.В., Мельтенисова Е.Н. Как недостаток конкуренции сдерживает жилищное кредитование на российских региональных рынках? // Вопросы экономики. - 2020. - № 4. - С. 107-128

PY - 2020/4/1

Y1 - 2020/4/1

N2 - The article examines the global and Russian experience in analyzing the influence of concentration and competition on the functioning of the banking sector, including the mortgage market. The information on housing loans issued by banks in the regions of Russia is used and the level of concentration in the regional housing lending markets is estimated. It is shown that regional housing loan markets are highly concentrated. It has been revealed that the concentration level negatively affects the dynamics of housing lending in the regions of the country. High concentration is also associated with slightly higher lending interest rates and their smaller spread. This may be the evidence that high concentration hinders the development of lending in the regions of Russia, which means that the level of competition in the banking sector is insufficient.

AB - The article examines the global and Russian experience in analyzing the influence of concentration and competition on the functioning of the banking sector, including the mortgage market. The information on housing loans issued by banks in the regions of Russia is used and the level of concentration in the regional housing lending markets is estimated. It is shown that regional housing loan markets are highly concentrated. It has been revealed that the concentration level negatively affects the dynamics of housing lending in the regions of the country. High concentration is also associated with slightly higher lending interest rates and their smaller spread. This may be the evidence that high concentration hinders the development of lending in the regions of Russia, which means that the level of competition in the banking sector is insufficient.

KW - Banking sector

KW - Competition

KW - Concentration

KW - Housing lending

KW - Russian regions

KW - RISK

KW - POWER

KW - concentration

KW - competition

KW - housing lending

KW - LOANS

KW - IMPACT

KW - FINANCE

KW - banking sector

KW - COMPETITION ALLEVIATE

KW - MARKET COMPETITION

KW - CREDIT CONSTRAINTS

KW - REDUCE

UR - http://www.scopus.com/inward/record.url?scp=85084003000&partnerID=8YFLogxK

UR - https://www.elibrary.ru/item.asp?id=42684910

UR - https://apps.webofknowledge.com/full_record.do?product=WOS&search_mode=GeneralSearch&qid=73&SID=F5jVok9N1EwoJz2aXU8&page=1&doc=1&cacheurlFromRightClick=no

U2 - 10.32609/0042-8736-2020-4-107-128

DO - 10.32609/0042-8736-2020-4-107-128

M3 - Article

AN - SCOPUS:85084003000

VL - 2020

SP - 107

EP - 128

JO - Voprosy Ekonomiki

JF - Voprosy Ekonomiki

SN - 0042-8736

IS - 4

ER -