Banking Spreads in Latin America
Banking Spreads in Latin America
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拉丁美洲的银行业利差
DOI：
10.1111/j.1465-7295.2008.00144.x
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发表时间：
2006
期刊：
影响因子：
--
通讯作者：
Gastón Gelos
中科院分区：
文献类型：
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作者：
Gastón Gelos
按照国际标准，拉丁美洲的中介利差很高。本文使用来自85个国家（包括14个拉丁美洲经济体）的银行和国家层面的数据，研究了该地区银行利差的决定因素。结果表明，拉丁美洲有更高的利率，效率较低的银行，和更大的准备金要求比其他地区，这些因素对利差有显着的影响。然而，在通货膨胀和银行利润税等对确定金融中介成本很重要的其他方面，拉丁美洲国家与其他国家没有明显区别。(JEL E43、E44、G21、O54）
Intermediation spreads in Latin America are high by international standards. This paper examines the determinants of bank interest margins in that region using bank- and country-level data from 85 countries, including 14 Latin American economies. The results suggest that Latin America has higher interest rates, less efficient banks, and larger reserve requirements than other regions and that these factors have a significant impact on spreads. However, Latin American countries do not differ markedly from their peers in other aspects that are found important in determining the cost of financial intermediation, such as inflation and bank profit taxation. (JEL E43, E44, G21, O54)