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Kulawik Jacek
Deregulacja systemów bankowych w wybranych krajach
Deregulation of banking systems in selected countries
Bank i Kredyt, 2004, nr 8, s. 27-38
System bankowy, Konkurencyjność banków, Efektywność banków, Produktywność banków
Banking system, Banks' competitiveness, Banks' efficiency, Productivity of banks
Stany Zjednoczone Ameryki, Włochy, Turcja, Indie
United States of America (USA), Italy, Turkey, India
Przez deregulację, nazywaną również liberalizacją, rozumie sie proces ograniczania lub nawet eliminowania administracyjnej kontroli i prawnych reguł funkcjonowania określonego sektora i firm do niego należących. W artykule przedstawiono efekty deregulacji banków w USA, we Włoszech oraz w Turcji i Indiach.

The article presents the motivation, objectives and effects of bank deregulation in the USA, Italy, Turkey and India. The reforms were undertaken in all those countries as it was expected that they would improve effectiveness and productivity. It was assumed that removing or limiting restrictions imposed on bank operations would unleash fiercer competition among them and that resources would start to flow to more efficient institutions. These expectations of improvement in efficiency came to be only in part and primarily in the case of India and Turkey. In the latter, deregulation was suspended at a certain moment due to a threat of financial crisis which did in fact ensue. Deregulation of banks in highly-developed countries usually leads to their further consolidation. In the case of the USA and Italy, consolidation led to an even fiercer competition in the banking sector, while deregulation in Turkey and India led to the decentralisation of their banking systems at a certain period of time. This was a result of their excessive growth in an era of regulation. Deregulation in these countries is a complex process also because it also requires particular adjustment to the banks' ownership structure. In principle, however, private banks were slightly quicker in adapting to the new environment after deregulation. (original abstract)
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  1. P. Angelini, N. Cetorelli: The Effects of Regulatory Reform on Competition in the Banking Industry. "Journal of Money, Credit and Banking" Vol. 35, No. 5, October 2003.
  2. J.Isik, M.K. Hassan: Financial deregulation and total factor productivity change: An empirical study of Turkish commercial banks. "Journal of Banking & Finance" Vol. 28, No. 8, August 2003.
  3. S.C. Kumbhakara, S. Sarkara: Deregulation, Ownership, and Productivity Growth in the Banking Industry: Evidence from India. "Journal of Money, Credit, and Banking", Vol.35, No.3, June 2003.
  4. J. Staniszkis: Pięć w jednym. "Rzeczpospolita" z 27 grudnia 1999 r.
  5. M. Stappel: Italienischer Genossenschaftssektor im Umbruch. "Zeitschrift für das gesamte Kreditwesen" nr 3/2000.
  6. R.J. Stiroh, P. E. Strahan: Competitive Dynamics of Deregulation: Evidence from U. S. Banking. "Journal of Money, Credit, and Banking" Vol. 35, No. 5, October 2003.
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