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Journal: Innovative Economics and Management (Vol.II, No. 1)

Publication Date:

Authors : ;

Page : 88-96

Keywords : Banking competition; market concentration; the competition agency; herpindal-hirshmans index; net loans; total assets; market structure; credit rating; the credit market; the market of deposits; bresnahanis model; Baro- Modesto model; panzar-Ross model;

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In the article, the latest literary sources and rich factual materials, is consistently analyzed and assessed the level of competition in the banking sector. The study established and economic life has been confirmed that the banking market competition has some specific features, making it different from other markets konkurentsiebisa it. One important difference is that the bank's money market operation, the liquid goods, which can not be replaced by other goods. The second major feature is related to the banking sector and financial capital mobility. It is concluded that the Georgian economy has a low level of debt servicing burden of each borrower is too hard, leading to higher interest rates and shorter maturities determined. Accordingly, the reduction of interest rates is desirable not only for the overall economic development, but also a necessary prerequisite for the further growth of banks.

Last modified: 2018-02-14 05:51:39