Banking Industry: Structure and Competition - Financial innovation and growth of shadow banking system
8 important questions on Banking Industry: Structure and Competition - Financial innovation and growth of shadow banking system
What happened to the traditional banking business that create loans that are funded by deposits and what is the new type of banking?
What is financial innovation?
What does a change in the financial environment stimulate?
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What happened in the 60s?
• Changes in supply conditions ( advances in computer technology)
• Financial regulation decreased
What was the consequence of what happened in the 60s?
What are the 3 types of financial innovation?
2. Responses to changes in supply conditions
3. Avoidance of existing regulations
Interaction between these 3 motivations were often the source of new products.
What did information technology improve? And what did it cause?
- Investors had better access to information
- It caused the creation of new products and services
Examples of new technologies and services:
- Junk bonds: investors willing to buy long-term debt from less-well known firms with lower ratings
- Commercial paper market: short term debt security issued by large banks and corporates easier screening for investors: easier for corporations to issue debt securities
- Securitization: Process of transforming otherwise illiquid financial assets (residential mortgages, car loans, credit card receivables) into marketable capital market securities
The question on the page originate from the summary of the following study material:
- A unique study and practice tool
- Never study anything twice again
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- 100% sure, 100% understanding
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Banking Industry: Structure and Competition - Financial innovation and growth of shadow banking system - Responses to change in demand conditions
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Banking Industry: Structure and Competition - Financial innovation and growth of shadow banking system - Avoidance of existing regulations
