IDEAS home Printed from https://ideas.repec.org/a/nos/voprec/y2020id2356.html
   My bibliography  Save this article

Concentration in the banking sector and housing lending in Russian regions

Author

Listed:
  • Anna V. Mishura
  • Svetlana V. Bekareva
  • Ekaterina N. Meltenisova

Abstract

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.

Suggested Citation

  • Anna V. Mishura & Svetlana V. Bekareva & Ekaterina N. Meltenisova, 2020. "Concentration in the banking sector and housing lending in Russian regions," Voprosy Ekonomiki, NP Voprosy Ekonomiki, issue 4.
    • Handle: RePEc:nos:voprec:y:2020:id:2356
    DOI: 10.32609/0042-8736-2020-4-107-128
    as

    Download full text from publisher

    File URL: https://www.vopreco.ru/jour/article/viewFile/2356/2268
    Download Restriction: no
    File URL: https://libkey.io/10.32609/0042-8736-2020-4-107-128?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:nos:voprec:y:2020:id:2356. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: NEICON (email available below). General contact details of provider: https://www.vopreco.ru .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.