Abstract

BETANCOURT GOMEZ, Michel Eduardo. Industrial organization of banking, financial regulation and antitrust. Contad. Adm [online]. 2022, vol.67, n.4, pp.255-278.  Epub Mar 17, 2023. ISSN 0186-1042.  https://doi.org/10.22201/fca.24488410e.2022.2893.

This article aims to theoretically examine the relation between prudential and antitrust regulation of banks. For this, we built a theoretical model that considers different situations of prudential regulation and their repercussions on the market power and the industrial organization of banks are evaluated. When market power is high, antitrust regulation is feeble, and therefore there is little competition. The theoretical results allow us to conclude that the market power of a bank is higher when prudential regulation is rigid, implying a conflict between prudential regulation and antitrust regulation. Finally, we show empirical evidence on this situation and propose a new regulation scheme to solve the problem for the case of Mexico.

Keywords : G11; G18; D81; L40; industrial organization; financial regulation; banks.

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