Domestic Credit Market Concentration and Competition Indicators, 2000-2019

A national credit market study by Monique de Abreu Azevedo analyzes concentration and competition between 2000 and 2019. The work uses the Herfindahl-Hirschman and Five Major Concentration Ratio indexes to measure concentration and Lerner's econometric model to estimate competition. Results suggest increased concentration did not harm competitiveness, highlighting the role of regulation and credit unions.

Use Cases

• Analyzing trends in banking market concentration based on Herfindahl-Hirschman and Five Major Concentration Ratio indexes.
• Estimating the degree of competition in the financial sector using Lerner's econometric model.
• Investigating the relationship between market concentration and competitiveness over a 20-year period.
• Supporting policy analysis on contestability and entry restrictions for non-banking institutions and fintech companies.

Strengths

• Covers a 20-year time range from 2000 to 2019.
• Applies established economic indicators like the Herfindahl-Hirschman Index and Lerner model.
• Analysis is based on panel data containing accounting and financial information from financial institutions.

Limitations

• Column-level documentation is absent; field semantics must be inferred after download.
• Row count is unknown, which may limit suitability assessment.
• Last update date is unknown; freshness unverified.

Provenance

Source

Monique de Abreu Azevedo

Collection Method

Calculated concentration and competition indicators from panel data with accounting and financial information from financial institutions.

Time Range

2000 to 2019

Geography

A national credit market (specific country not stated in input).