Competição Bancária: Comparação dos Comportamentos de Bancos Públicos e Privados

Martins, Tiago Sammarco; Bortoluzzo, Adriana Bruscato; Lazzarini, Sérgio G.

doi:10.1590/1982-7849rac20141876

Cited by 5 publications

(4 citation statements)

References 25 publications

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“…The results are in accordance with some works, namely Araujo and Cintra (1994), Martins et al (2014), andDutra et al (2015). These authors pointed out that public banks may have a social function that goes beyond the profit goal.…”

supporting

confidence: 91%

“…Together with the development banks, they play an important role in financing and coordinating investment projects, reducing their risks. Martins et al (2014) considered that if public banks only aim at improving social welfare, through greater competition, they would be accepting zero economic profit (marginal cost = price), which would thus result in a Lerner index equal to zero. However, as the authors found values greater than one, they concluded that these factors coexist with mixed goals of profitability and social welfare.…”

Section: Theoretical Frameworkmentioning

confidence: 99%

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Socioeconomic development of Brazilian municipalities: The role of public and private banks

Pereira

Silva

2021

Estud. econ

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The economic literature has discussed the role of public banks regarding their performance as drivers of socioeconomic development, highlighting their social role when compared to private banks. This paper contributes to this discussion and analyzes the impact of the physical presence of public and private commercial banks on the Firjan Index of Municipal Development (FMDI) of Brazilian municipalities. The results of a logit panel model show that public banks have greater impact on the FMDI rather than private banks, taking into account where the municipality is located and the externalities caused by the neighboring municipality. There is great probability of a municipality being in a high level of development if it has the physical presence of commercial public banks.

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supporting

confidence: 91%

Section: Theoretical Frameworkmentioning

confidence: 99%

Socioeconomic development of Brazilian municipalities: The role of public and private banks

Pereira

Silva

2021

Estud. econ

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“…It was found that the presence of more private banks increases competition, while the presence of public banks has neutral results. In a similar study, Martins et al (2014) found the opposite results. Using the methodologies of Bresnahan (1982) and Lau (1982), the authors observed that public banks have important participation in competition.…”

Section: Tablementioning

confidence: 81%

Structure, market power, and profitability: evidence from the banking sector in Latin America

Hordones

Sanvicente

2021

Rev. contab. finanç.

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The aim of this paper is to evaluate the influence of market structure on the competition between banks and to determine whether competition affects their profitability in different countries in Latin America. The study also seeks to compare, between 16 countries in the continent, the levels of concentration, competition, and profitability of the respective banking sectors. This article fills the research gap regarding the structure and market power of banks in emerging countries, by comparing Brazil with the other countries in the continent. The topic is extremely important at a time of debate about the high interest rates in Brazil, the market structure observed, and the alleged effect of this on the high levels of spread between lending and borrowing rates. The research provides evidence for the debate regarding the structure of the banking industry. To evaluate competition, the Panzar-Rosse model was used. Concentration was measured by the Herfindahl-Hirschman index and CR5 ratio. To verify the link between the variables, the hypotheses of the structure-conduct-performance model were tested, via a sample of 16 countries in Latin America, covering the period from 2011 to 2017, using panel data regression. This study, conducted for the banking industry in Latin America, rejected the premises of the structure-conduct-performance (SCP) model, which affirm that concentration reduces competition, causing higher profitability in the sector. In the comparison of the studied variables between the countries in the continent, Brazil presented the lowest competition index. The concentration and profitability assessments, in turn, presented results in line with the mean. The results of the research serve to elucidate the intense debate regarding the structure of the banking market. Moreover, they serve as a scientific basis for regulators’ actions, aiming to incentivize competition and reduce bank spread.

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“…2.1 Agências de Fomento e suas Particularidades Nos anos 1990, mudanças macroeconômicas impulsionaram reestruturações no setor de crédito brasileiro. Conforme Martins et al (2014), como não havia sistemas para administrar os riscos de créditos, em 1995 as mudanças culminaram em forte elevação dos índices de inadimplência e geraram problemas financeiros em grandes bancos, tornando-se necessária a intervenção do Banco Central do Brasil (Bacen), que, entre as medidas, criou no mesmo ano o Programa de Estímulo à Reestruturação e ao Fortalecimento do Sistema Financeiro (Proer) (Braga, 1998).…”

Section: Revisão De Literaturaunclassified

Eficiência e rentabilidade das agências financeiras de fomento

et al. 2021

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Resumo As agências financeiras de fomento (AFFs) configuram mecanismos de realização de políticas públicas de investimento e desenvolvimento, cujo objetivo maior é a propagação do bem-estar social, contribuindo para o desenvolvimento social e econômico dos estados, a fim de garantir sua sustentabilidade e reduzir as desigualdades regionais e sociais. Diante desse contexto, o objetivo do presente estudo é analisar o nível de eficiência e rentabilidade das AFFs brasileiras. O exame se caracteriza como pesquisa descritiva, com abordagem quantitativa. Empregou-se a análise de índices-padrão para analisar a eficiência e a rentabilidade dessas agências, bem como testes de medianas para verificar se o tamanho da agência influencia nesses indicadores de desempenho. A amostra foi composta por 14 AFFs, no período de 2012 a 2018. Os resultados apontaram que as AFFs de maior porte tendem a obter nível excelente de eficiência, enquanto agências com menor infraestrutura se encontraram classificadas nos níveis regular e insatisfatório. Por outro lado, as AFFs com maior ativo total têm maior probabilidade de obter nível regular ou insatisfatório em sua rentabilidade. Além disso, os índices de eficiência (IE) e o retorno médio das operações de crédito (RET) foram apontados como indicadores propícios à análise de desempenho das AFFs.

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Competição Bancária: Comparação dos Comportamentos de Bancos Públicos e Privados

Cited by 5 publications

References 25 publications

Socioeconomic development of Brazilian municipalities: The role of public and private banks

Socioeconomic development of Brazilian municipalities: The role of public and private banks

Structure, market power, and profitability: evidence from the banking sector in Latin America

Eficiência e rentabilidade das agências financeiras de fomento

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