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Competition Structures and Trends in The Banking System of Romania

Author

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  • Munteanu Irena

    („Ovidius” University of Constanta)

Abstract

In time, the structures of the market and concurrency have represented the key points of the European economic and financial system. Banking competition ensures the existence of superior quality products and services for the final consumer, a higher innovation degree, smaller prices. It also allows efficient banks to enter the market or to expand to the detriment of the inefficient ones. Nevertheless, there are negative effects of competition, as well. Alan Greenspan once remarked the fact that intense banking competition could lead to a decrease in profit margins and could encourage hazardous investments, which could, in turn, generate financial instability and induce systemic risks. Therefore, there must be found a balance between ensuring banking stability and maintaining free competition. The present article is an analysis of the competition tendencies in the Romanian banking system during 2012-2013 based on the data published by NBR.

Suggested Citation

  • Munteanu Irena, 2014. "Competition Structures and Trends in The Banking System of Romania," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(2), pages 541-546, May.
    • Handle: RePEc:ovi:oviste:v:xiv:y:2014:i:2:p:541-546
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    More about this item

    Keywords

    banking competition; banking concentration; Herfindahl Hirschman index; banking system; concentration rate.;
    All these keywords.

    JEL classification:

    • L11 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Production, Pricing, and Market Structure; Size Distribution of Firms
    • L22 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Organization and Market Structure
    • L40 - Industrial Organization - - Antitrust Issues and Policies - - - General
    • D4 - Microeconomics - - Market Structure, Pricing, and Design

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