The DOI matches its Crossref record; 1 of the 1 references it cites were found in a registry or an index.
Can Relationship Banking Survive Competition?
Abstract
How will banks evolve as competition increases from other banks and from the capital market? Will banks become more like capital market underwriters and offer passive transaction loans or return to their roots as relationship lending experts? These are the questions we address. Our key result is that as interbank competition increases, banks make more relationship loans, but each has lower added value for borrowers. Capital market competition reduces relationship lending (and bank lending shrinks), but each relationship loan has greater added value for borrowers. In both cases, welfare increases for some borrowers but not necessarily for all.
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“Bank competition in Africa causes banks with low-profit margins to become more clientdriven as they raise their efficiency and expand their outreach (Boot & Thakor 2000), thereby enhancing financial services accessibility and availability.”
From Financial inclusion, bank competition and economic growth in Africa (2021) · cites this paper as Boot & Thakor 2000
Citations
Cites
Financial intermediation and delegated monitoring
Diamond, D. W. (1984) · The Review of Economic Studies · doi:10.2307/2297430 · Cited by 8,476
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Cited by
Sorted by citations
Items 1,001–1,003 of 1,003
What drives small and medium enterprises to establish and terminate banking relationships?
Afridi, M. A., & Tahir, M. (2023) · EconomiA · doi:10.1108/econ-09-2022-0131
Who received interest-free loans during the COVID-19 pandemic?
Yang, L., Li, K., & Wu, P. (2023) · Finance Research Letters · doi:10.1016/j.frl.2023.104313
Inyang, U., Basse, A. E., Chukwudi, D. O., & Bassey, F. (2023) · International journal of multidisciplinary research and analysis · doi:10.47191/ijmra/v6-i6-13
“Boot and Thakor (2000), who consider competition between transaction lenders and relationship lenders, Hauswald and Marquez (2003, 2006), who examine how information technology affects competition between differentially informed lenders, and Almazan (2002) who study the competition in the banking…”
Metadata
- Authors
- Boot, A. W. A., & Thakor, A. V.
- Affiliations
- Tinbergen Institute (NL)
- Venue
- The Journal of Finance
- Publisher
- Wiley
- Published
- 2000-04
- Volume
- 55
- Issue
- 2
- Pages
- 679-713
- ISSN
- 0022-1082 (ISSN-L)
- 1540-6261
- OpenAlex
- W2167141920
- Cited by
- 1,590
- References
- 0
- Citations by year
- 2026: 54 · 2025: 80 · 2024: 78 · 2023: 82 · 2022: 60 · 2021: 62 · 2020: 76 · 2019: 76 · 2018: 76 · 2017: 53 · 2016: 62 · 2015: 73 · 2014: 53 · 2013: 81 · 2012: 63
- FWCI
- 59.16
- Type
- journal article
- Language
- en
- Open access
- closed
- Locations
- The Journal of Finance (publishedVersion)
- RePEc: Research Papers in Economics (submittedVersion)
- OpenGrey (Institut de l'Information Scientifique et Technique) (submittedVersion)
- UvA-DARE (University of Amsterdam) (submittedVersion)
- Data Archiving and Networked Services (DANS) (submittedVersion)
- Topics
- Social Sciences › Economics, Econometrics and Finance › Finance › Banking stability, regulation, efficiency
- Social Sciences › Economics, Econometrics and Finance › Finance › Corporate Finance and Governance
- Social Sciences › Economics, Econometrics and Finance › Finance › Banking Systems and Strategies
- Keywords
- relationship banking, relationship lending, bank competition, capital market competition, bank lending, borrower welfare, underwriting
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