Competition Structures and Trends in The Banking System of Romania

Munteanu Irena ()
Additional contact information
Munteanu Irena: „Ovidius” University of Constanta

Ovidius University Annals, Economic Sciences Series, 2014, vol. XIV, issue 2, 541-546

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.

Keywords: banking competition; banking concentration; Herfindahl Hirschman index; banking system; concentration rate. (search for similar items in EconPapers)
JEL-codes: D4 L11 L22 L40 (search for similar items in EconPapers)
Date: 2014
References: View complete reference list from CitEc
Citations:

Downloads: (external link)
http://stec.univ-ovidius.ro/html/anale/RO/cuprins% ... 4%20issue_2_2014.pdf (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:ovi:oviste:v:xiv:y:2014:i:2:p:541-546

Access Statistics for this article

Ovidius University Annals, Economic Sciences Series is currently edited by Spatariu Cerasela

More articles in Ovidius University Annals, Economic Sciences Series from Ovidius University of Constantza, Faculty of Economic Sciences Contact information at EDIRC.
Bibliographic data for series maintained by Gheorghiu Gabriela ().